Ozark Bank
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Data as of · sourced from FFIEC call reports. How we update
Ozark Bank is an FDIC-insured commercial bank headquartered in Ozark, MO, established in 1906 (FDIC certificate 1654), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $341.0M, down 6.2% from Q2 2025, the 93rd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1654
- Headquarters
- Ozark, MO
- Established
- 1906
- Total assets, Q2 2026
- $341.0M
- Assets vs Q2 2025
- -6.2%
- Tier 1 leverage ratio, Q2 2026
- 9.23%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081505731
- Asset rank in state
- 93rd of 191 in Missouri
Problem loans are rising at Ozark Bank. The Ozark, Missouri bank had $341 million in assets at June 30, 2026, down 6.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.47% of loans from 0.00% a year earlier. It lost 11.3% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also carries problem assets equal to 11.5% of the capital and reserves that would absorb them, 4.4 times the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $783,000 was 46% below a year earlier. Over the same year, loans shrank 1.2% and deposits shrank 11.3%. Where it has less room is capital: it funds 9.23% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Ozark Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 1.47% and a Texas ratio of 11.50%. The figures come from its call report filed with the FFIEC.
Ozark Bank ranks as the 93rd largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.3% to $341.0M, loans fell 3.0% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 45.2% of total loans, followed by non-owner-occupied commercial real estate loans at 16.7%. Its 4 offices in the FDIC Summary of Deposits are in Ozark, MO and Nixa, MO; its Ozark 3 offices book 80% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ozark Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 N 2nd Ave, Ozark, MO 65721
- County
- Christian
- Metro Area
- Springfield, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- September 25, 1906
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $283.1M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $346.7M
- Average total loans
- $263.5M
- Average interest-bearing deposits
- $237.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1654
- Fed RSSD
- 882952
- Website
- http://www.ozarkbank.com →
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, Ozark Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Ozark Bank's total assets moved between a low of $325.4M (Q3 2023) and a high of $383.5M (Q4 2024) 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
$341.0M total assets against $363.6M; $312.6M total liabilities against $337.1M.
$253.8M net loans and leases against $258.3M; $283.1M total deposits against $319.0M.
$48.1M securities against $56.8M; $26.5M cash and balances due against $36.6M.
$4.9M total interest income against $5.0M; $1.4M total interest expense against $1.8M.
$3.5M net interest income against $3.3M.
$344K total noninterest income against $314K; $2.3M total noninterest expense against $2.1M.
$846K provision for credit losses against $45K.
$783K net income against $1.5M.
0.90% return on assets against 1.64%; 4.26% net interest margin against 3.84%.
9.23% tier 1 leverage ratio against 8.89%.
Inside the full Ozark Bank 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.
Ozark Bank rankings
Its closest position to the top of a national ranking is 512 of 3,640, for Texas Ratio; its furthest is 2,707 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q2 2026) to 1.84% (Q3 2025) and its net interest margin ran from 3.45% (Q3 2024) to 4.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.23% | 0.90% | 1.47% | 11.50% | 4.26% |
| Q1 2026 | 9.05% | 1.31% | 1.47% | 12.30% | 4.16% |
| Q4 2025 | 9.01% | 1.38% | 0.00% | 0.00% | 4.23% |
| Q3 2025 | 8.91% | 1.84% | 0.00% | 0.00% | 4.02% |
| Q2 2025 | 8.89% | 1.64% | 0.00% | 0.00% | 3.84% |
| Q1 2025 | 8.57% | 1.47% | 0.00% | 0.00% | 3.66% |
| Q4 2024 | 8.60% | 1.46% | 0.00% | 0.00% | 3.64% |
| Q3 2024 | 8.95% | 1.24% | 0.00% | 0.00% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Ozark Bank (main office) | Ozark , MO | 65721 | $119.5M |
| Ozark Branch | Ozark , MO | 65721 | $56.6M |
| Nixa Facility | Nixa , MO | 65714 | $55.7M |
| Drive-In Branch | Ozark , MO | 65721 | $51.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 117 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 70 loans originated, $19.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Ozark Bank
What are Ozark Bank's total assets?
As of the Q2 2026 filing, Ozark Bank reported total assets of $341.0 million in its FFIEC call report.
Where is Ozark Bank headquartered?
It is headquartered in Ozark, MO, United States.
When was Ozark Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Ozark Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1654). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ozark Bank?
Ozark Bank's primary federal regulator is the FDIC.
How many branches does Ozark Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ozark Bank's Texas Ratio?
Its Texas Ratio is 11.50% 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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