Commercial Bank of Ozark, The
Ozark, AL · Cert 17975 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Commercial Bancshares Ozark
State charter, non-member · FDIC · 2 branches
Q2 2026
$115.2MAssets
$54.9MLoans
$107.6MDeposits
$5.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of banks under $1B in assets operating in a single state (rank 165 of 752).
- Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 745 of 752).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.40%
Rank 653 of 752
Net Interest Margin
2.98%
Rank 625 of 752
Efficiency Ratio
85.15%
Rank 671 of 752
Equity / Assets
4.91%
Rank 745 of 752
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 11% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.72% | 1.07% | 1.45% | Beats 13% | 653 / 752 | |
| Return on Equity | 8.22% | 6.78% | 10.58% | 13.65% | Beats 35% | 488 / 752 | |
| Net Interest Margin | 2.98% | 3.18% | 3.69% | 4.17% | Beats 17% | 625 / 752 | |
| Efficiency Ratio | 85.15% | 55.75% | 64.49% | 75.47% | Beats 11% | 671 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.09% | 0.42% | 1.03% | Beats 23% | 578 / 748 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 29% | 534 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 18.33% | 11.55% | 13.75% | 17.60% | Beats 78% | 165 / 752 | |
| Total Risk-Based Capital Ratio | 19.28% | 11.70% | 14.33% | 18.47% | Beats 78% | 162 / 752 | |
| Equity / Assets | 4.91% | 8.93% | 10.56% | 13.13% | Beats 1% | 745 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 51.00% | 62.23% | 78.64% | 91.26% | 12th pctl | 659 / 752 | |
| Loans / Assets | 47.63% | 54.61% | 67.41% | 76.47% | 17th pctl | 626 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |