Progressive Ozark Bank
Salem, MO · Cert 31488 · Peer group: banks under $1B in assets in MO (n=82-83) · Ozark Bcorp Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$190.9MAssets
$156.0MLoans
$170.7MDeposits
$18.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in MO (rank 3 of 83).
- Widest gap: efficiency ratio trails 71% of banks under $1B in assets in MO (rank 60 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.80%
Rank 18 of 83
Net Interest Margin
5.17%
Rank 3 of 83
Efficiency Ratio
65.09%
Rank 60 of 83
Equity / Assets
9.64%
Rank 51 of 83
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 29% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.80% | 0.96% | 1.32% | 1.75% | Beats 78% | 18 / 83 | | |
| Return on Equity | 18.63% | 9.66% | 12.96% | 15.76% | Beats 89% | 9 / 83 | | |
| Net Interest Margin | 5.17% | 3.35% | 3.85% | 4.16% | Beats 96% | 3 / 83 | | |
| Efficiency Ratio | 65.09% | 49.83% | 58.83% | 68.51% | Beats 29% | 60 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.08% | 0.51% | 1.01% | Beats 84% | 14 / 82 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 43% | 48 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 13.45% | 11.01% | 12.49% | 14.98% | Beats 58% | 35 / 83 | | |
| Total Risk-Based Capital Ratio | 14.69% | 11.13% | 13.01% | 15.10% | Beats 67% | 27 / 83 | | |
| Equity / Assets | 9.64% | 8.83% | 10.71% | 13.29% | Beats 39% | 51 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.42% | 69.28% | 83.22% | 91.21% | 76th pctl | 20 / 82 | | |
| Loans / Assets | 81.73% | 59.34% | 71.15% | 78.36% | 87th pctl | 11 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |