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Progressive Ozark Bank

Salem, MO · Cert 31488 · Ozark Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$190.9MAssets
$156.0MLoans
$170.7MDeposits
$18.4MEquity
Loan mix
90%RE $137.1M5%C&I $7.0M6%Consumer $8.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $132.4M22%Noninterest $38.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.95%, up 32 bps year over year; NIM at 5.29%.
  • Asset quality: problem loans at 0.03% of loans (-178 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.78%, up 29 bps from a year ago.
  • Funding: loans stand at 91.42% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.95%+32 bps YoY

Net Interest Margin (quarter, annualized)

5.29%+15 bps YoY

Efficiency Ratio (quarter, annualized)

65.65%+233 bps YoY

Tier 1 Leverage Ratio

9.78%+29 bps YoY

NIM

5.67%Q2 ’246.09%Q2 ’256.15%Q2 ’26+11%+3%

Non-interest income vs. expense

3.72%Q2 ’243.98%Q2 ’253.99%Q2 ’26+10%+13%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.59%1.60%1.63%1.46%1.46%1.67%1.95%+32 bps
Return on Equity18.86%16.84%17.13%17.56%15.87%15.71%17.68%20.31%+275 bps
Net Interest Margin5.00%5.17%4.90%5.13%5.18%5.15%5.10%5.29%+15 bps
Efficiency Ratio62.54%64.78%65.55%63.32%63.81%62.12%64.52%65.65%+233 bps
Non-Interest Burden2.64%2.96%2.85%2.82%2.91%2.79%2.96%3.20%+37 bps
Growth
Asset Growth (YoY)2.73%5.13%3.33%9.21%12.51%8.26%6.02%2.28%-693 bps
Loan Growth (YoY)0.42%2.55%5.86%5.69%5.47%3.21%3.05%1.07%-462 bps
Deposit Growth (YoY)6.14%3.12%4.34%9.39%13.85%12.20%5.71%1.64%-776 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.51%1.87%1.81%1.76%1.99%1.83%0.03%-178 bps
Net Charge-Offs / Loans0.03%0.05%0.02%0.03%0.09%0.04%0.02%0.03%0 bps
Allowance / Loans0.91%0.92%0.91%0.97%1.06%1.20%1.19%1.09%+11 bps
Allowance Coverage of NPLs13.2x1.8x0.5x0.5x0.6x0.6x0.7x42.5x+41.9x
Capital
Tier 1 Leverage Ratio9.74%9.67%9.63%9.49%9.37%9.38%9.64%9.78%+29 bps
Total Risk-Based Capital13.94%13.63%13.79%13.78%13.96%14.00%14.48%14.69%+91 bps
Equity / Assets9.60%9.25%9.43%9.16%9.19%9.36%9.57%9.64%+47 bps
Liquidity & Funding
Loans / Deposits98.81%101.24%96.63%91.93%91.54%93.13%94.20%91.42%-51 bps
Liquid Assets / Assets1.47%1.88%2.88%6.62%7.82%5.85%4.87%5.65%-97 bps
CRE / Total Capitaln/an/an/an/a149.10%148.91%155.13%n/an/a