OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION

FARMINGTON, MO | Small | Est. Jan. 1, 1930, midnight | FDIC #28277 | RSSD #1016174 | OCC
Latest Report: 2025-12-31

OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in FARMINGTON, MO, established in Jan. 1, 1930, midnight. As of 2025-12-31, the bank reported total assets of $306M and total deposits of $222M. Profitability stands at 0.61% ROA and 4.62% ROE, with a net interest margin of 3.30%. The bank's CET1 capital ratio is 18.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.05% and a Texas Ratio of 6.13%. FDIC Certificate #28277.

Assets

$306M

Deposits

$222M

Loans

$247M

Equity

$40M

Profitability

Return on Assets (ROA) 0.61%
Return on Equity (ROE) 4.62%
Net Interest Margin (NIM) 3.30%
Yield on Assets 5.68%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 1.05%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.13%
NPA Ratio 0.85%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 18.61%
Tier 1 Capital 18.61%
Total Capital Ratio 19.73%
Leverage Ratio 13.67%
Loan-to-Deposit 111.12%

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