Century Bank of the Ozarks
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Data as of · sourced from FFIEC call reports. How we update
Century Bank of the Ozarks is an FDIC-insured commercial bank headquartered in Gainesville, MO, established in 1894 (FDIC certificate 8296), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $305.3M, up 9.8% from Q2 2025, the 99th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.84% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8296
- Headquarters
- Gainesville, MO
- Established
- 1894
- Total assets, Q2 2026
- $305.3M
- Assets vs Q2 2025
- +9.8%
- Tier 1 leverage ratio, Q2 2026
- 8.84%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081509973
- Latest call report
- Q2 2026, FFIEC 051 · Century Bank of the Ozarks call report
- Holding company
- CENTURY BANCSHARES, INC.
- Asset rank in state
- 99th of 191 in Missouri
Century Bank of the Ozarks is one of the more profitable banks of its size. The Gainesville, Missouri bank had $305 million in assets at June 30, 2026, up 9.8% from a year earlier. It returns 22.3% a year on shareholders' equity, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 12.6%). It also keeps 5.15 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 1.53%. Net income for the quarter rose 13% from a year earlier, to $1.5 million. Where it has less room is capital: it funds 8.84% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Century Bank of the Ozarks reported a return on assets of 1.97%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Century Bank of the Ozarks is the 99th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $305.3M, loans rose 3.7% and deposits rose 2.5%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 24.7% of total loans, ahead of 1-4 family residential loans at 23.7%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities across 2 states; its Gainesville office books 46% of its branch deposits. By the capital ratios in its Q2 2026 call report, Century Bank of the Ozarks is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 42 Court Sq, Gainesville, MO 65655
- County
- Ozark
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 24, 1894
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $273.1M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- -$69K
- Average total assets
- $303.8M
- Average total loans
- $256.6M
- Average interest-bearing deposits
- $205.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8296
- Fed RSSD
- 904359
- Website
- WWW.CBOZARKS.COM →
- Parent Holding Company
- CENTURY BANCSHARES, INC. (RSSD 1095469)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Century Bank of the Ozarks reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Century Bank of the Ozarks's total assets moved between a low of $253.5M (Q3 2023) and a high of $305.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$305.3M total assets against $278.1M; $277.9M total liabilities against $252.5M.
$253.1M net loans and leases against $224.8M; $273.1M total deposits against $247.0M.
$874K securities against $2.2M; $35.0M cash and balances due against $35.4M.
$4.8M total interest income against $4.4M; $1.1M total interest expense against $982K.
$3.7M net interest income against $3.4M.
$373K total noninterest income against $408K; $2.2M total noninterest expense against $2.0M.
$65K provision for credit losses against $45K.
$1.5M net income against $1.3M.
1.97% return on assets against 1.94%; 5.15% net interest margin against 5.29%.
8.84% tier 1 leverage ratio against 9.14%.
Inside the full Century Bank of the Ozarks terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Century Bank of the Ozarks rankings
Its closest position to the top of a national ranking is 520 of 3,611, for ROA; its furthest is 2,428 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.45% (Q4 2024) to 2.16% (Q1 2025) and its net interest margin ran from 5.10% (Q3 2024) to 5.44% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.84% | 1.97% | 0.19% | 1.59% | 5.15% |
| Q1 2026 | 9.06% | 1.84% | 0.17% | 1.42% | 5.32% |
| Q4 2025 | 9.13% | 1.89% | 0.00% | 5.17% | 5.44% |
| Q3 2025 | 9.17% | 1.87% | 1.43% | 11.33% | 5.40% |
| Q2 2025 | 9.14% | 1.94% | 1.53% | 12.10% | 5.29% |
| Q1 2025 | 9.30% | 2.16% | 1.45% | 11.54% | 5.17% |
| Q4 2024 | 9.43% | 1.45% | 1.46% | 11.43% | 5.37% |
| Q3 2024 | 9.35% | 1.81% | 1.77% | 13.67% | 5.10% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Century Bank of the Ozarks (main office) | Gainesville , MO | 65655 | $124.5M |
| Ava Branch | Ava , MO | 65608 | $66.6M |
| Theodosia Facility | Theodosia , MO | 65761 | $33.5M |
| Mountain Home Branch | Mountain Home , AR | 72653 | $25.7M |
| Bakersfield Branch | Bakersfield , MO | 65609 | $22.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 22, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 1996 | Structure Change | Acquired Douglas County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 127 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, Century Bank of the Ozarks reported total assets of $305.3 million in its FFIEC call report.
Where is Century Bank of the Ozarks headquartered?
It is headquartered in Gainesville, MO, United States.
When was Century Bank of the Ozarks founded?
It was established in 1894, per the FDIC institution directory.
Is Century Bank of the Ozarks FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Century Bank of the Ozarks operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank of the Ozarks's Texas Ratio?
Its Texas Ratio is 1.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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