Century Bank of the Ozarks: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.19 percentage points higher than in Q1 2026, at 917.38%. Century Bank of the Ozarks ranks 42nd of 192 Missouri banks on return on assets, in the upper half at 1.97% (Q2 2026). Century Bank of the Ozarks's return on assets of 1.97% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.84% |
| Equity capital to assets | 8.99% |
| Tangible equity to tangible assets | 8.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.59% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 917.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 22.26% |
| Net interest margin | 5.15% |
| Efficiency ratio | 55.16% |
| Yield on earning assets | 6.70% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.10% |
| Core deposits to total deposits | 93.14% |
| Brokered deposits to total deposits | 0.33% |
| Deposits to assets | 89.45% |
| Securities to assets | 0.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.27% | 7.21% | 5.09% | 0.03% | 0.30% |
| Q4 2023 | 9.49% | 1.91% | 4.94% | 1.54% | 0.11% |
| Q1 2024 | 9.33% | 1.78% | 4.90% | 1.53% | 0.00% |
| Q2 2024 | 9.32% | 1.84% | 4.98% | 1.51% | 0.01% |
| Q3 2024 | 9.35% | 1.81% | 5.10% | 1.51% | 0.01% |
| Q4 2024 | 9.43% | 1.45% | 5.37% | 1.46% | 0.09% |
| Q1 2025 | 9.30% | 2.16% | 5.17% | 1.40% | 0.03% |
| Q2 2025 | 9.14% | 1.94% | 5.29% | 1.53% | -0.03% |
| Q3 2025 | 9.17% | 1.87% | 5.40% | 1.43% | 0.01% |
| Q4 2025 | 9.13% | 1.89% | 5.44% | 0.00% | 2.94% |
| Q1 2026 | 9.06% | 1.84% | 5.32% | 0.17% | -0.11% |
| Q2 2026 | 8.84% | 1.97% | 5.15% | 0.16% | -0.00% |
Century Bank of the Ozarks vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of the Ozarks, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Century Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8296) · FFIEC NIC profile (RSSD 904359)