Century Bank of the Ozarks: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Century Bank of the Ozarks of Gainesville, MO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.97% | 1.34% | +0.63% | 84th top |
| ROAE | 22.26% | 13.32% | +8.94% | 92nd top |
| Net Interest Margin | 5.15% | 3.93% | +1.22% | 94th top |
| Efficiency Ratio | 55.16% | 61.13% | -5.97% | 68th above |
| PPNR / Avg Assets | 2.40% | 1.68% | +0.72% | 87th top |
| Yield on Earning Assets | 6.70% | 5.67% | +1.03% | 91st top |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 62nd above |
| Net Interest Spread | 4.48% | 3.32% | +1.16% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 66th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 82nd top |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 917.38% | 1546.32% | -628.94% | 81st top |
| Texas Ratio | 1.59% | 7.34% | -5.75% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.84% | 12.14% | -3.30% | 10th bottom |
| Equity / Assets | 8.99% | 11.37% | -2.38% | 27th below |
| TCE / Tangible Assets | 8.80% | 11.08% | -2.28% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.10% | 80.66% | +13.44% | 20th bottom |
| Core Deposit Ratio | 93.14% | 86.85% | +6.29% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.80% | 6.84% | +2.96% | 82nd top |
| Loan Growth (Y/Y) | 12.30% | 7.92% | +4.38% | 80th top |
| Deposit Growth (Y/Y) | 10.57% | 6.29% | +4.28% | 84th top |
See Century Bank of the Ozarks's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Century Bank of the Ozarks, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Century Bank of the Ozarks profile, how to read a UBPR, or how this data updates.