Ozark, AL · Cert 17975 · Commercial Bancshares Ozark
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
26
Profitability
22
Liquidity
15
Efficiency
11
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ozark, AL · Cert 17975 · Commercial Bancshares Ozark
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.48% | 0.85% | 0.53% | 0.44% | 0.49% | 0.33% | 0.40% | -13 bps | |
| Return on Equity | 6.36% | 16.78% | 29.57% | 18.16% | 13.59% | 13.90% | 7.27% | 8.65% | -952 bps | |
| Net Interest Margin | 2.63% | 2.70% | 2.56% | 2.67% | 2.71% | 2.74% | 2.88% | 2.98% | +31 bps | |
| Efficiency Ratio | 89.95% | 80.97% | 73.24% | 81.07% | 83.86% | 82.27% | 86.36% | 85.15% | +407 bps | |
| Non-Interest Burden | 2.31% | 2.04% | 1.50% | 1.99% | 2.15% | 2.12% | 2.44% | 2.48% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | 0.07% | -1.31% | 0.94% | 3.09% | 2.33% | 2.57% | 1.29% | +35 bps | |
| Loan Growth (YoY) | -8.28% | -10.34% | -10.25% | -8.93% | -3.49% | -0.64% | 2.75% | 7.40% | +1,633 bps | |
| Deposit Growth (YoY) | -2.36% | -0.07% | -0.68% | 1.75% | 4.70% | 1.80% | 2.58% | 0.03% | -172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.07% | 1.44% | 1.44% | 1.35% | 1.25% | 1.36% | 1.25% | 1.14% | -21 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.06% | 0.05% | 0.06% | 0.08% | 0.05% | 0.07% | +1 bps | |
| Allowance / Loans | 1.02% | 1.07% | 1.11% | 1.12% | 1.11% | 1.08% | 1.09% | 1.02% | -10 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.7x | 0.8x | 0.8x | 0.9x | 0.8x | 0.9x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.31% | 8.71% | 8.85% | 8.87% | 8.78% | 8.88% | 9.00% | 9.09% | +22 bps | |
| Total Risk-Based Capital | 18.81% | 19.77% | 20.46% | 20.28% | 20.12% | 19.81% | 19.65% | 19.28% | -100 bps | |
| Equity / Assets | 3.74% | 2.56% | 3.18% | 3.02% | 4.07% | 4.69% | 4.28% | 4.91% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.09% | 48.66% | 48.47% | 47.50% | 48.02% | 47.49% | 48.55% | 51.00% | +350 bps | |
| Liquid Assets / Assets | 8.46% | 13.48% | 11.66% | 12.54% | 9.98% | 9.87% | 7.83% | 5.73% | -681 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.57% | 117.21% | 126.38% | n/a | n/a | |
Ozark, AL · Cert 17975 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commercial Bancshares Ozark
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.40%
Rank 647 of 746
Net Interest Margin
2.98%
Rank 619 of 746
Efficiency Ratio
85.15%
Rank 667 of 746
Equity / Assets
4.91%
Rank 738 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.72% | 1.06% | 1.45% | Beats 13% | 647 / 746 | ||
| Return on Equity | 8.22% | 6.74% | 10.51% | 13.63% | Beats 35% | 485 / 746 | ||
| Net Interest Margin | 2.98% | 3.17% | 3.68% | 4.16% | Beats 17% | 619 / 746 | ||
| Efficiency Ratio | 85.15% | 55.74% | 64.58% | 75.47% | Beats 11% | 667 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.09% | 0.42% | 1.07% | Beats 23% | 570 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 28% | 537 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.33% | 11.55% | 13.75% | 17.60% | Beats 78% | 161 / 746 | ||
| Total Risk-Based Capital Ratio | 19.28% | 11.71% | 14.33% | 18.43% | Beats 79% | 158 / 746 | ||
| Equity / Assets | 4.91% | 8.90% | 10.51% | 13.06% | Beats 1% | 738 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.00% | 61.31% | 78.27% | 90.78% | 13th pctl | 648 / 746 | ||
| Loans / Assets | 47.63% | 53.60% | 66.97% | 76.08% | 17th pctl | 616 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||