Ozarks Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Ozarks Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Farmington, MO, established in 1930 (FDIC certificate 28277), and it is supervised by the OCC. At Q2 2026 it reported total assets of $277.2M, down 5.2% from Q2 2025, the 103rd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 20.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28277
- Headquarters
- Farmington, MO
- Established
- 1930
- Total assets, Q2 2026
- $277.2M
- Assets vs Q2 2025
- -5.2%
- CET1 ratio, Q2 2026
- 20.36%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 281972931
- Latest call report
- Q2 2026, FFIEC 051 · Ozarks Federal Savings and Loan Association call report
- Asset rank in state
- 103rd of 191 in Missouri
Ozarks Federal Savings and Loan Association, based in Farmington, Missouri, reported $277 million in assets at June 30, 2026, down 5.2% from a year earlier. It shrank its loan book 6.5% over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 5.5%). It also funds 15.09% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $576,000, 60% above the same quarter a year earlier. Over the same year, loans shrank 6.5% and deposits grew 3.5%. Profitability lags: it returns 5.6% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, Ozarks Federal Savings and Loan Association reported a CET1 capital ratio of 20.36%, a return on assets of 0.82%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 4.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Ozarks Federal Savings and Loan Association is the 103rd largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $277.2M, loans rose 0.3% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 89.2% of total loans, ahead of construction and land development loans at 8.1%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MO; its Farmington office books 45% of its branch deposits. On its Q2 2026 call report, Ozarks Federal Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 E Columbia St, Farmington, MO 63640
- County
- St. Francois
- Metro Area
- Farmington, MO
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1930
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $227.7M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $280.3M
- Average total loans
- $220.9M
- Average interest-bearing deposits
- $212.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28277
- Fed RSSD
- 1016174
- Website
- www.ofsl.bank →
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
From Q3 2023 to Q2 2026, Ozarks Federal Savings and Loan Association's total assets ranged from $254.0M (Q3 2023) to $306.3M (Q4 2025), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$277.2M total assets against $292.4M; $236.0M total liabilities against $253.7M.
$221.0M net loans and leases against $236.4M; $227.7M total deposits against $220.0M.
$13.3M securities against $13.8M; $18.2M cash and balances due against $17.0M.
$3.8M total interest income against $3.7M; $1.3M total interest expense against $1.7M.
$2.5M net interest income against $2.1M.
$346K total noninterest income against $260K; $2.1M total noninterest expense against $1.8M.
$4K provision for credit losses against $30K.
$576K net income against $360K.
0.82% return on assets against 0.49%; 3.92% net interest margin against 3.02%.
20.36% CET1 capital ratio against 18.70%; 15.09% tier 1 leverage ratio against 13.69%.
Inside the full Ozarks Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOzarks Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 319 of 2,134, for CET1 ratio; its furthest is 2,979 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.00% (Q3 2024) to 0.88% (Q1 2026) and its net interest margin ran from 2.39% (Q3 2024) to 3.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.36% | 0.82% | 0.95% | 4.90% | 3.92% |
| Q1 2026 | 20.26% | 0.88% | 1.19% | 6.20% | 3.47% |
| Q4 2025 | 18.61% | 0.61% | 1.05% | 6.13% | 3.28% |
| Q3 2025 | 18.72% | 0.62% | 0.84% | 4.89% | 3.28% |
| Q2 2025 | 18.70% | 0.49% | 1.00% | 5.80% | 3.02% |
| Q1 2025 | 18.51% | 0.35% | 1.00% | 5.85% | 2.90% |
| Q4 2024 | 18.98% | 0.22% | 0.97% | 5.73% | 2.70% |
| Q3 2024 | 19.46% | 0.00% | 1.17% | 6.63% | 2.39% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Ozarks Federal Savings and Loan Association (main office) | Farmington , MO | 63640 | $103.5M |
| 643 North Creek Drive Branch | Festus , MO | 63028 | $41.9M |
| 211 S Main Street Branch | Ironton , MO | 63650 | $38.2M |
| 217 West Main Branch | Fredericktown , MO | 63645 | $27.3M |
| 1 Walton Drive Branch | Potosi , MO | 63664 | $16.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 132 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Ozarks Federal Savings and Loan Association
What are Ozarks Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Ozarks Federal Savings and Loan Association reported total assets of $277.2 million in its FFIEC call report.
Where is Ozarks Federal Savings and Loan Association headquartered?
It is headquartered in Farmington, MO, United States.
When was Ozarks Federal Savings and Loan Association founded?
It was established in 1930, per the FDIC institution directory.
Is Ozarks Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28277). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ozarks Federal Savings and Loan Association?
Ozarks Federal Savings and Loan Association's primary federal regulator is the OCC.
What is Ozarks Federal Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ozarks Federal Savings and Loan Association operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ozarks Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 4.90% 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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