The Commercial Bank of Ozark
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Data as of · sourced from FFIEC call reports. How we update
The Commercial Bank of Ozark is an FDIC-insured commercial bank headquartered in Ozark, AL, supervised by the FDIC, with $115.2M in total assets at Q2 2026, up 1.3% from Q2 2025, the 80th largest of 93 banks headquartered in Alabama. It was established in 1959 and holds FDIC certificate 17975. Its CET1 capital ratio was 18.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17975
- Headquarters
- Ozark, AL
- Established
- 1959
- Total assets, Q2 2026
- $115.2M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 18.33%
- Domestic offices
- 2 · The Commercial Bank of Ozark branches FDIC institution directory, current count
- Routing number
- 062106120
- Safety and soundness
- Is The Commercial Bank of Ozark safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Commercial Bank of Ozark Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- COMMERCIAL BANCSHARES OF OZARK, INC.
- Asset rank in state
- 80th of 93 in Alabama
The Commercial Bank of Ozark, based in Ozark, Alabama, reported $115 million in assets at June 30, 2026, up 1.3% from a year earlier. It pays an average of 1.03% on its deposits and borrowings, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $175,000, 127% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.8 million equal 52% of Tier 1 capital, down from 72% a year earlier. Where it has less room is capital: it funds 9.09% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Commercial Bank of Ozark reported a CET1 capital ratio of 18.33%, a return on assets of 0.57%, a nonperforming-loan ratio of 1.14% and a Texas ratio of 9.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Commercial Bank of Ozark is the 80th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.9% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 36.2% of total loans, ahead of 1-4 family residential loans at 25.0%. Its 2 offices in the FDIC Summary of Deposits are in Ozark, AL and Midland City, AL; its Ozark office books 91% of its branch deposits. On its Q2 2026 call report, The Commercial Bank of Ozark meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 208 S Merrick Ave, Ozark, AL 36360
- County
- Dale
- Metro Area
- Ozark, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 2, 1959
- Former names
- The Commercial Bank Of Ozark (2013)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $107.6M
- Allowance for credit losses
- $559K
- Net charge-offs (YTD)
- $19K
- Average total assets
- $121.8M
- Average total loans
- $53.5M
- Average interest-bearing deposits
- $87.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 2, 1959
- FDIC Cert
- 17975
- Fed RSSD
- 522034
- Website
- www.cbozark.com →
- Parent Holding Company
- COMMERCIAL BANCSHARES OF OZARK, INC. (RSSD 2581718)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
The Commercial Bank of Ozark's total assets moved between a low of $108.4M (Q3 2023) and a high of $117.9M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$115.2M total assets against $113.7M; $109.5M total liabilities against $110.3M.
$54.3M net loans and leases against $50.5M; $107.6M total deposits against $107.6M.
$45.7M securities against $40.4M; $7.8M cash and balances due against $15.8M.
$1.2M total interest income against $1.1M; $283K total interest expense against $322K.
$940K net interest income against $828K.
$123K total noninterest income against $120K; $893K total noninterest expense against $861K.
-$5K provision for credit losses against $10K.
$175K net income against $77K.
0.57% return on assets against 0.26%; 3.47% net interest margin against 3.13%.
18.33% CET1 capital ratio against 19.22%; 9.09% tier 1 leverage ratio against 8.87%.
Inside the full The Commercial Bank of Ozark terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Commercial Bank of Ozark rankings
Its closest position to the top of a national ranking is 651 of 3,640, for Texas Ratio; its furthest is 3,268 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q2 2025) to 1.65% (Q4 2024) and its net interest margin ran from 2.90% (Q1 2025) to 3.49% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.33% | 0.57% | 1.14% | 9.86% | 3.47% |
| Q1 2026 | 18.65% | 0.40% | 1.25% | 11.71% | 3.21% |
| Q4 2025 | 18.80% | 0.77% | 1.36% | 7.47% | 3.30% |
| Q3 2025 | 19.07% | 0.30% | 1.25% | 12.07% | 3.17% |
| Q2 2025 | 19.22% | 0.26% | 1.35% | 16.84% | 3.13% |
| Q1 2025 | 19.39% | 1.03% | 1.44% | 17.40% | 2.90% |
| Q4 2024 | 18.71% | 1.65% | 1.44% | 21.13% | 3.49% |
| Q3 2024 | 17.80% | 0.48% | 1.07% | 11.80% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The Commercial Bank of Ozark | Ozark , AL | 36360 | $98.1M |
| South Dale Branch | Midland City , AL | 36350 | $9.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 105 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (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 The Commercial Bank of Ozark
What are The Commercial Bank of Ozark's total assets?
As of the Q2 2026 filing, The Commercial Bank of Ozark reported total assets of $115.2 million in its FFIEC call report.
Where is The Commercial Bank of Ozark headquartered?
It is headquartered in Ozark, AL, United States.
When was The Commercial Bank of Ozark founded?
It was established in 1959, per the FDIC institution directory.
Is The Commercial Bank of Ozark FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Commercial Bank of Ozark?
The Commercial Bank of Ozark's primary federal regulator is the FDIC.
What is The Commercial Bank of Ozark's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Commercial Bank of Ozark operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Commercial Bank of Ozark's Texas Ratio?
Its Texas Ratio is 9.86% 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.
What was The Commercial Bank of Ozark previously called?
The charter now named The Commercial Bank of Ozark has also operated as The Commercial Bank Of Ozark (2013), per FDIC structure-change records.
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