Commercial Bank of Ozark, The
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
$115.2MAssets
$54.9MLoans
$107.6MDeposits
$5.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 79% of banks under $1B in assets operating in a single state (rank 158 of 746).
- Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 738 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
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 | 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 |