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Commercial Bank of Ozark, The

Ozark, AL · Cert 17975 · Commercial Bancshares Ozark

State charter, non-member · FDIC · 2 branches

Q2 2026

$115.2MAssets
$54.9MLoans
$107.6MDeposits
$5.7MEquity
Loan mix
53%RE $26.9M38%C&I $19.1M9%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $85.8M20%Noninterest $21.8MQ2 2025Q2 2026

NIM

3.62%Q2 ’243.75%Q2 ’253.92%Q2 ’26+3%+12%

Non-interest income vs. expense

2.82%Q2 ’242.90%Q2 ’252.88%Q2 ’26-17%+24%

Executive Summary

  • Earnings: ROA of 0.40%, down 13 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 1.14% of loans (-21 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 9.09%, up 22 bps from a year ago.
  • Funding: loans stand at 51.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+31 bps YoY

Efficiency Ratio (YTD, annualized)

85.15%+407 bps YoY

Tier 1 Leverage Ratio

9.09%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.44%0.49%0.33%0.40%-13 bps
Return on Equity18.16%13.59%13.90%7.27%8.65%-952 bps
Net Interest Margin2.67%2.71%2.74%2.88%2.98%+31 bps
Efficiency Ratio81.07%83.86%82.27%86.36%85.15%+407 bps
Non-Interest Burden1.99%2.15%2.12%2.44%2.48%+48 bps
Growth
Asset Growth (YoY)0.94%3.09%2.33%2.57%1.29%+35 bps
Loan Growth (YoY)-8.93%-3.49%-0.64%2.75%7.40%+1,633 bps
Deposit Growth (YoY)1.75%4.70%1.80%2.58%0.03%-172 bps
Asset Quality
Nonperforming Loans / Loans1.35%1.25%1.36%1.25%1.14%-21 bps
Net Charge-Offs / Loans0.05%0.06%0.08%0.05%0.07%+1 bps
Allowance / Loans1.12%1.11%1.08%1.09%1.02%-10 bps
Allowance Coverage of NPLs0.8x0.9x0.8x0.9x0.9x+0.1x
Capital
Tier 1 Leverage Ratio8.87%8.78%8.88%9.00%9.09%+22 bps
Total Risk-Based Capital20.28%20.12%19.81%19.65%19.28%-100 bps
Equity / Assets3.02%4.07%4.69%4.28%4.91%+189 bps
Liquidity & Funding
Loans / Deposits47.50%48.02%47.49%48.55%51.00%+350 bps
Liquid Assets / Assets12.54%9.98%9.87%7.83%5.73%-681 bps
CRE / Total Capitaln/a108.57%117.21%126.38%n/an/a