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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 $0.2MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $212.7M7%Noninterest $15.0MQ3 2024Q2 2026

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 0.83%, up 33 bps year over year; NIM at 3.58%.
  • 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.

Return on Assets (quarter, annualized)

0.83%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+78 bps YoY

Efficiency Ratio (quarter, annualized)

73.73%-501 bps YoY

Tier 1 Leverage Ratio

15.09%+140 bps YoY

NIM

4.47%Q2 ’245.10%Q2 ’255.42%Q2 ’26+30%+28%

Non-interest income vs. expense

2.62%Q2 ’242.49%Q2 ’253.00%Q2 ’26-5%+18%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.22%0.35%0.49%0.62%0.61%0.91%0.83%+33 bps
Return on Equity0.00%1.63%2.65%3.74%4.68%4.62%6.65%5.64%+191 bps
Net Interest Margin2.22%2.50%2.69%2.80%3.04%3.04%3.21%3.58%+78 bps
Efficiency Ratio98.14%85.40%81.94%78.74%73.99%75.54%77.55%73.73%-501 bps
Non-Interest Burden2.17%2.08%2.15%2.13%2.15%2.20%2.33%2.51%+38 bps
Growth
Asset Growth (YoY)10.18%11.01%10.97%8.73%5.63%6.09%-3.90%-5.21%-1,393 bps
Loan Growth (YoY)10.81%11.36%11.21%10.42%7.79%5.33%-5.90%-6.49%-1,691 bps
Deposit Growth (YoY)7.71%6.41%4.92%6.85%5.78%6.68%6.46%3.49%-336 bps
Asset Quality
Nonperforming Loans / Loans1.17%0.97%1.00%1.00%0.84%1.05%1.19%0.95%-5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.02%0.01%0.00%-0.01%-1 bps
Allowance / Loans0.88%0.89%0.92%0.92%0.94%0.94%0.95%0.95%+3 bps
Allowance Coverage of NPLs0.8x0.9x0.9x0.9x1.1x0.9x0.8x1.0x+0.1x
Capital
Tier 1 Leverage Ratio14.36%13.90%13.66%13.69%13.76%13.67%13.67%15.09%+140 bps
Total Risk-Based Capital20.52%20.06%19.60%19.80%19.85%19.73%21.36%21.46%+166 bps
Equity / Assets13.49%13.03%13.19%13.25%13.32%13.03%14.52%14.85%+159 bps
Liquidity & Funding
Loans / Deposits108.21%112.56%111.42%108.49%110.26%111.12%98.48%98.02%-1,047 bps
Liquid Assets / Assets4.80%4.89%3.70%4.82%3.26%4.23%5.46%3.78%-105 bps
CRE / Total Capitaln/an/an/an/a73.90%68.79%61.02%n/an/a