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 | |