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Ozarks Federal Savings and Loan Association

Farmington, MO · Cert 28277

State savings bank · OCC · 5 branches

Q2 2026

$277.2MAssets
$223.2MLoans
$227.7MDeposits
$41.2MEquity
Loan mix
100%RE $222.3M0%C&I $0.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $212.7M7%Noninterest $15.0MQ2 2025Q2 2026

NIM

4.39%Q2 ’245.05%Q2 ’255.59%Q2 ’26+28%+29%

Non-interest income vs. expense

2.61%Q2 ’242.46%Q2 ’253.14%Q2 ’26-6%+18%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #95 of 111 inst. · $0.0B of $141.7B

6.0% St. Francois
1.1% Jefferson
21.1% Iron
8.3% Madison

Executive Summary

  • Earnings: ROA of 0.87%, up 44 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.95% of loans (-5 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 15.09%, up 140 bps from a year ago.
  • Funding: loans stand at 98.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+80 bps YoY

Efficiency Ratio (YTD, annualized)

75.67%-461 bps YoY

Tier 1 Leverage Ratio

15.09%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.49%0.52%0.91%0.87%+44 bps
Return on Equity3.20%3.70%3.94%6.65%6.14%+294 bps
Net Interest Margin2.74%2.83%2.84%3.21%3.54%+80 bps
Efficiency Ratio80.29%78.03%77.36%77.55%75.67%-461 bps
Non-Interest Burden2.13%2.13%2.12%2.33%2.53%+39 bps
Growth
Asset Growth (YoY)8.73%5.63%6.09%-3.90%-5.21%-1,393 bps
Loan Growth (YoY)10.42%7.79%5.33%-5.90%-6.49%-1,691 bps
Deposit Growth (YoY)6.85%5.78%6.68%6.46%3.49%-336 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.84%1.05%1.19%0.95%-5 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%-0.01%-1 bps
Allowance / Loans0.92%0.94%0.94%0.95%0.95%+3 bps
Allowance Coverage of NPLs0.9x1.1x0.9x0.8x1.0x+0.1x
Capital
Tier 1 Leverage Ratio13.69%13.76%13.67%13.67%15.09%+140 bps
Total Risk-Based Capital19.80%19.85%19.73%21.36%21.46%+166 bps
Equity / Assets13.25%13.32%13.03%14.52%14.85%+159 bps
Liquidity & Funding
Loans / Deposits108.49%110.26%111.12%98.48%98.02%-1,047 bps
Liquid Assets / Assets4.82%3.26%4.23%5.46%3.78%-105 bps
CRE / Total Capitaln/a73.90%68.79%61.02%n/an/a