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Century Bank of the Ozarks

Gainesville, MO · Cert 8296 · Century Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$305.3MAssets
$257.0MLoans
$273.1MDeposits
$27.4MEquity
Loan mix
92%RE $218.9M6%C&I $13.4M3%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $205.9M25%Noninterest $67.2MQ2 2025Q2 2026

NIM

6.16%Q2 ’246.43%Q2 ’256.32%Q2 ’26+6%-3%

Non-interest income vs. expense

2.67%Q2 ’242.98%Q2 ’252.95%Q2 ’26+12%+3%

Executive Summary

  • Earnings: ROA of 1.99%, up 5 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.19% of loans (-134 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.84%, down 30 bps from a year ago.
  • Funding: loans stand at 94.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.99%+5 bps YoY

Net Interest Margin (quarter, annualized)

4.87%-14 bps YoY

Efficiency Ratio (quarter, annualized)

55.16%+187 bps YoY

Tier 1 Leverage Ratio

8.84%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%1.85%1.90%1.83%1.99%+5 bps
Return on Equity20.89%20.01%20.32%20.07%22.27%+137 bps
Net Interest Margin5.01%5.11%5.15%4.97%4.87%-14 bps
Efficiency Ratio53.29%52.87%43.45%54.33%55.16%+187 bps
Non-Interest Burden2.38%2.45%1.11%2.44%2.46%+7 bps
Growth
Asset Growth (YoY)4.60%6.80%4.88%9.63%9.80%+520 bps
Loan Growth (YoY)6.49%5.88%8.71%8.34%12.30%+581 bps
Deposit Growth (YoY)4.21%6.55%4.86%10.74%10.57%+637 bps
Asset Quality
Nonperforming Loans / Loans1.53%1.43%0.00%0.17%0.19%-134 bps
Net Charge-Offs / Loans-0.03%0.01%2.90%-0.11%0.00%+2 bps
Allowance / Loans1.76%1.79%1.45%1.53%1.50%-26 bps
Allowance Coverage of NPLs1.1x1.2xn/a9.0x7.9x+6.7x
Capital
Tier 1 Leverage Ratio9.14%9.17%9.13%9.06%8.84%-30 bps
Total Risk-Based Capital9.14%9.17%9.13%9.06%8.84%-30 bps
Equity / Assets9.19%9.31%9.39%8.91%8.99%-21 bps
Liquidity & Funding
Loans / Deposits92.65%94.37%97.33%93.04%94.10%+145 bps
Liquid Assets / Assets10.08%7.78%3.95%8.32%5.02%-505 bps
CRE / Total Capitaln/a368%371%384%n/an/a