CENTURY BANK OF THE OZARKS
CENTURY BANK OF THE OZARKS is an FDIC-insured commercial bank headquartered in GAINESVILLE, MO, established in 1894. As of , the bank reported total assets of $278M and total deposits of $247M. Profitability stands at 1.90% ROA and 20.32% ROE, with a net interest margin of 5.45%. CET1 capital ratio: 9.18%. NPL ratio: 0.00% · Texas Ratio: 5.06%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Century Bank of the Ozarks rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.18% | 1.90% | 0.00% | 5.06% | 5.45% |
| 2025-09-30 | 9.10% | 1.85% | 1.43% | 11.09% | 5.41% |
| 2025-06-30 | 8.98% | 1.94% | 1.53% | 11.84% | 5.30% |
| 2025-03-31 | 9.14% | 2.15% | 1.40% | 10.91% | 5.18% |
| 2024-12-31 | 9.19% | 1.43% | 1.46% | 11.18% | 5.38% |
| 2024-09-30 | 9.41% | 1.81% | 1.51% | 11.43% | 5.11% |
| 2024-06-30 | 9.14% | 1.83% | 1.51% | 11.29% | 4.99% |
| 2024-03-31 | 9.18% | 1.77% | 1.53% | 11.45% | 4.91% |
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Frequently asked about CENTURY BANK OF THE OZARKS
What are Century Bank of the Ozarks's total assets?
As of the Q4 2025 filing, Century Bank of the Ozarks reported total assets of $278.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Century Bank of the Ozarks headquartered?
Century Bank of the Ozarks is headquartered in GAINESVILLE, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Century Bank of the Ozarks founded?
Century Bank of the Ozarks was established in 1894, per the FDIC institution directory.
Is Century Bank of the Ozarks FDIC-insured?
Yes. Century Bank of the Ozarks is an FDIC-insured commercial bank (FDIC Certificate #8296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank of the Ozarks?
Century Bank of the Ozarks's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Century Bank of the Ozarks's CET1 capital ratio?
Century Bank of the Ozarks reported a Common Equity Tier 1 (CET1) capital ratio of 9.18% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Century Bank of the Ozarks operate?
Century Bank of the Ozarks operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Century Bank of the Ozarks's Texas Ratio?
Century Bank of the Ozarks's Texas Ratio is 5.06% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.