Ozarks Federal Savings and Loan Association
Farmington, MO · Cert 28277 · Peer group: banks under $1B in assets in MO (n=82-83)
State savings bank · OCC · 5 branches
Q2 2026
$277.2MAssets
$223.2MLoans
$227.7MDeposits
$41.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
- Widest gap: return on equity trails 88% of banks under $1B in assets in MO (rank 73 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.90%
Rank 68 of 83
Net Interest Margin
3.54%
Rank 56 of 83
Efficiency Ratio
75.67%
Rank 73 of 83
Equity / Assets
14.85%
Rank 8 of 83
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 13% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.96% | 1.32% | 1.75% | Beats 18% | 68 / 83 | |
| Return on Equity | 6.05% | 9.66% | 12.96% | 15.76% | Beats 12% | 73 / 83 | |
| Net Interest Margin | 3.54% | 3.35% | 3.85% | 4.16% | Beats 33% | 56 / 83 | |
| Efficiency Ratio | 75.67% | 49.83% | 58.83% | 68.51% | Beats 13% | 73 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.08% | 0.51% | 1.01% | Beats 30% | 58 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 20.36% | 11.01% | 12.49% | 14.98% | Beats 89% | 9 / 83 | |
| Total Risk-Based Capital Ratio | 21.46% | 11.13% | 13.01% | 15.10% | Beats 92% | 7 / 83 | |
| Equity / Assets | 14.85% | 8.83% | 10.71% | 13.29% | Beats 90% | 8 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 98.02% | 69.28% | 83.22% | 91.21% | 88th pctl | 10 / 82 | |
| Loans / Assets | 80.50% | 59.34% | 71.15% | 78.36% | 82nd pctl | 15 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |