Banks COMMERCIAL BANK OF OZARK, THE

COMMERCIAL BANK OF OZARK, THE

OZARK, AL Small Est. April 2, 1959, midnight FDIC #17975 RSSD #522034 FDIC
Latest · 2025-12-31

COMMERCIAL BANK OF OZARK, THE is an FDIC-insured commercial bank headquartered in OZARK, AL, established in April 2, 1959, midnight. As of 2025-12-31, the bank reported total assets of $118M and total deposits of $110M. Profitability stands at 0.81% ROA and 18.56% ROE, with a net interest margin of 3.33%. CET1 capital ratio: 18.80%, well above regulatory minimums. NPL ratio: 0.41% · Texas Ratio: 3.52%.

Assets
$118M
Deposits
$110M
Loans
$52M
Equity
$6M

Profitability

Return on Assets (ROA)0.81%
Return on Equity (ROE)18.56%
Net Interest Margin3.33%
Yield on Assets4.47%
Cost of Funds1.12%

Asset Quality

NPL Ratio0.41%
Net Charge-Off Ratio0.08%
Texas Ratio3.52%
NPA Ratio0.18%
ACL / Loans1.08%

Capital & Liquidity

CET1 Ratio18.80%
Tier 1 Capital18.80%
Total Capital Ratio19.81%
Leverage Ratio8.88%
Loan-to-Deposit47.49%

This is just the summary.

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