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Ozark Mountain Bank

Branson, MO · Cert 16924

FDIC · 6 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ozark Mountain Bank

Branson, MO · Cert 16924

FDIC · 6 branches

Q3 2021

$554.3MAssets
$256.8MLoans
$461.3MDeposits
$44.2MEquity
Loan mix
70%RE $146.2M19%C&I $40.0M11%Consumer $22.0MQ3 2020Q3 2021
Deposit mix
56%Interest-bearing $257.4M44%Noninterest $203.9MQ3 2020Q3 2021

NIM

4.34%Q3 ’193.21%Q3 ’202.39%Q3 ’21-22%-22%

Non-interest income vs. expense

2.86%Q3 ’192.44%Q3 ’202.06%Q3 ’21-26%-25%

Market Position · Columbia, MO · 2021 SOD (annual) · 0.1% share · #35 of 39 inst. · $0.0B of $6.6B

30.5% Taney
6.1% Stone
0.1% Boone

Executive Summary

  • Earnings: ROA of 1.11%, down 29 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 1.29% of loans (-58 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 7.85%, down 119 bps from a year ago.
  • Funding: loans stand at 55.65% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.11%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.33%-66 bps YoY

Efficiency Ratio (YTD, annualized)

60.10%+123 bps YoY

Tier 1 Leverage Ratio

7.85%-119 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.40%1.41%1.10%1.04%1.11%-29 bps
Return on Equity14.14%14.67%12.63%12.20%13.23%-91 bps
Net Interest Margin2.99%2.93%2.71%2.48%2.33%-66 bps
Efficiency Ratio58.87%57.78%61.87%61.55%60.10%+123 bps
Non-Interest Burden1.28%1.17%1.23%1.10%0.96%-32 bps
Growth
Asset Growth (YoY)20.13%29.49%40.66%42.34%37.21%+1,708 bps
Loan Growth (YoY)6.38%6.16%10.32%3.98%1.09%-529 bps
Deposit Growth (YoY)23.90%33.62%44.95%43.50%35.99%+1,209 bps
Asset Quality
Nonperforming Loans / Loans1.87%1.81%1.36%1.27%1.29%-58 bps
Net Charge-Offs / Loans-0.06%-0.01%-0.04%0.04%0.04%+10 bps
Allowance / Loans1.91%1.93%1.92%1.89%1.96%+5 bps
Allowance Coverage of NPLs1.0x1.1x1.4x1.5x1.5x+0.5x
Capital
Tier 1 Leverage Ratio9.04%9.17%8.67%9.02%7.85%-119 bps
Total Risk-Based Capital16.55%17.40%17.56%19.72%18.06%+152 bps
Equity / Assets9.65%8.79%8.57%8.35%7.97%-168 bps
Liquidity & Funding
Loans / Deposits74.87%64.12%63.42%55.66%55.65%-1,922 bps
Liquid Assets / Assets5.83%14.43%15.55%25.02%21.50%+1,567 bps
CRE / Total Capitaln/an/an/an/an/an/an/a