Ozark Bank: 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 climbed 24.72 percentage points in Q2 2026, from 94.50% to 119.22%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Ozark Bank is 160th of 191 on return on assets, 0.90% as of Q2 2026. Ozark Bank reported 0.90% on return on assets for Q2 2026, 0.35 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.23% |
| Equity capital to assets | 8.34% |
| Tangible equity to tangible assets | 8.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.47% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.50% |
| Allowance for credit losses to loans | 1.75% |
| Reserve coverage of non-performing loans | 119.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 11.08% |
| Net interest margin | 4.26% |
| Efficiency ratio | 57.71% |
| Yield on earning assets | 5.92% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.25% |
| Core deposits to total deposits | 92.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.01% |
| Securities to assets | 14.12% |
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 | 13.53% | 13.53% | 14.78% | 8.86% | 1.13% |
| Q4 2023 | 13.72% | 13.72% | 14.97% | 8.48% | 0.97% |
| Q1 2024 | 12.38% | 12.38% | 13.63% | 8.23% | 0.98% |
| Q2 2024 | 13.07% | 13.07% | 14.32% | 8.54% | 1.12% |
| Q3 2024 | 13.12% | 13.12% | 14.37% | 8.95% | 1.24% |
| Q4 2024 | 12.42% | 12.42% | 13.67% | 8.60% | 1.46% |
| Q1 2025 | 12.98% | 12.98% | 14.24% | 8.57% | 1.47% |
| Q2 2025 | 12.90% | 12.90% | 14.15% | 8.89% | 1.64% |
| Q3 2025 | 13.15% | 13.15% | 14.40% | 8.91% | 1.84% |
| Q4 2025 | 12.76% | 12.76% | 14.01% | 9.01% | 1.38% |
| Q1 2026 | — | — | — | 9.05% | 1.31% |
| Q2 2026 | — | — | — | 9.23% | 0.90% |
Ozark Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozark Bank, 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 Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1654) · FFIEC NIC profile (RSSD 882952)