The Commercial Bank of Ozark: 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.
Reserve coverage of non-performing loans dropped 44.94 percentage points in Q2 2026, from 136.73% to 91.79%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, The Commercial Bank of Ozark is 78th of 93 on return on assets, 0.57% as of Q2 2026, below the middle of the field. The Commercial Bank of Ozark's return on assets of 0.57% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.33% |
| Tier 1 risk-based capital ratio | 18.33% |
| Total risk-based capital ratio | 19.28% |
| Tier 1 leverage ratio | 9.09% |
| Equity capital to assets | 4.91% |
| Tangible equity to tangible assets | 4.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 10.06% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 91.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 13.23% |
| Net interest margin | 3.47% |
| Efficiency ratio | 80.56% |
| Yield on earning assets | 4.46% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.00% |
| Core deposits to total deposits | 89.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.39% |
| Securities to assets | 39.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.15% | 16.15% | 16.98% | 8.12% | -0.14% |
| Q4 2023 | 16.64% | 16.64% | 17.52% | 8.10% | 0.52% |
| Q1 2024 | 16.75% | 16.75% | 17.64% | 8.14% | -0.02% |
| Q2 2024 | 16.90% | 16.90% | 17.83% | 8.15% | 0.22% |
| Q3 2024 | 17.80% | 17.80% | 18.81% | 8.31% | 0.48% |
| Q4 2024 | 18.71% | 18.71% | 19.77% | 8.71% | 1.65% |
| Q1 2025 | 19.39% | 19.39% | 20.46% | 8.85% | 1.03% |
| Q2 2025 | 19.22% | 19.22% | 20.28% | 8.87% | 0.26% |
| Q3 2025 | 19.07% | 19.07% | 20.12% | 8.78% | 0.30% |
| Q4 2025 | 18.80% | 18.80% | 19.81% | 8.88% | 0.77% |
| Q1 2026 | 18.65% | 18.65% | 19.65% | 9.00% | 0.40% |
| Q2 2026 | 18.33% | 18.33% | 19.28% | 9.09% | 0.57% |
The Commercial Bank of Ozark vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial Bank of Ozark, 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 The Commercial Bank of Ozark profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17975) · FFIEC NIC profile (RSSD 522034)