Ozark Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ozark Bank of Ozark, MO against its peer group of 2757 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 | 0.90% | 1.25% | -0.35% | 27th below |
| ROAE | 11.08% | 12.22% | -1.14% | 41st below |
| Net Interest Margin | 4.26% | 3.95% | +0.31% | 68th above |
| Efficiency Ratio | 57.71% | 63.71% | -6.00% | 60th above |
| PPNR / Avg Assets | 1.88% | — | — | 66th above |
| Yield on Earning Assets | 5.92% | 5.67% | +0.25% | 64th above |
| Cost of Funds | 1.77% | 1.87% | -0.10% | 52nd above |
| Net Interest Spread | 3.83% | — | — | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.47% | 0.88% | +0.59% | 19th bottom |
| NPA / Total Assets | 1.11% | — | — | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 1.75% | — | — | 89th top |
| ACL / NPLs (Coverage) | 119.22% | — | — | 32nd below |
| Texas Ratio | 11.50% | 5.96% | +5.54% | 15th bottom |
| Provision / NCO | 84600.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.23% | 11.75% | -2.52% | 15th bottom |
| Equity / Assets | 8.34% | 10.98% | -2.64% | 17th bottom |
| TCE / Tangible Assets | 8.34% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.25% | 80.44% | +10.81% | 26th below |
| Core Deposit Ratio | 92.30% | 86.95% | +5.35% | 70th above |
| Wholesale Funding Ratio | 8.12% | — | — | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.22% | — | — | 3rd bottom |
| Loan Growth (Y/Y) | -1.17% | — | — | 18th bottom |
| Deposit Growth (Y/Y) | -11.27% | — | — | 1st bottom |
See Ozark Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ozark Bank, 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 Ozark Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Ozark Bank peer analysis.