Century Bank of the Ozarks
Gainesville, MO · Cert 8296 · Peer group: banks under $1B in assets in MO (n=82-83) · Century Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$305.3MAssets
$257.0MLoans
$273.1MDeposits
$27.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks under $1B in assets in MO (rank 4 of 83).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in MO (rank 83 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.85%
Rank 17 of 83
Net Interest Margin
4.77%
Rank 9 of 83
Efficiency Ratio
54.75%
Rank 33 of 83
Equity / Assets
8.99%
Rank 59 of 83
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 61% 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 | 1.85% | 0.96% | 1.32% | 1.75% | Beats 80% | 17 / 83 | | |
| Return on Equity | 20.55% | 9.66% | 12.96% | 15.76% | Beats 95% | 4 / 83 | | |
| Net Interest Margin | 4.77% | 3.35% | 3.85% | 4.16% | Beats 89% | 9 / 83 | | |
| Efficiency Ratio | 54.75% | 49.83% | 58.83% | 68.51% | Beats 61% | 33 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.08% | 0.51% | 1.01% | Beats 67% | 28 / 82 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 46% | 45 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 8.84% | 11.01% | 12.49% | 14.98% | Beats 0% | 83 / 83 | | |
| Total Risk-Based Capital Ratio | 8.84% | 11.13% | 13.01% | 15.10% | Beats 0% | 83 / 83 | | |
| Equity / Assets | 8.99% | 8.83% | 10.71% | 13.29% | Beats 29% | 59 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.10% | 69.28% | 83.22% | 91.21% | 82nd pctl | 15 / 82 | | |
| Loans / Assets | 84.18% | 59.34% | 71.15% | 78.36% | 92nd pctl | 7 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |