Ozarks Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.12 percentage points in Q2 2026, from 52.50% to 48.39%. It was the largest change from Q1 2026 among the key lines here. Ozarks Federal Savings and Loan Association ranks 29th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 98.02% (Q2 2026). Ozarks Federal Savings and Loan Association reported 98.02% on loan-to-deposit ratio for Q2 2026, 17.18 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $223.2M |
| Net loans and leases | $221.0M |
| Loans held for sale | $0 |
| Loans to total assets | 80.50% |
| Loan-to-deposit ratio | 98.02% |
| Net loans to equity capital | 5.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.39% |
| Multifamily (5+ residential) | 0.22% |
| Commercial and industrial | 0.00% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.39% |
| Construction concentration (Tier 1 capital + allowance) | 40.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.14% |
| Interest income on loans | $3.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $203.6M | $193.5M | 3.60% | 0.00% | 0.29% |
| Q4 2023 | $210.3M | $195.5M | 3.41% | 0.00% | 0.27% |
| Q1 2024 | $212.7M | $202.3M | 3.29% | 0.00% | 0.24% |
| Q2 2024 | $216.1M | $205.9M | 3.17% | 0.00% | 0.42% |
| Q3 2024 | $225.6M | $208.5M | 2.97% | 0.00% | 0.35% |
| Q4 2024 | $234.2M | $208.1M | 2.62% | 0.00% | 0.27% |
| Q1 2025 | $236.5M | $212.3M | 2.55% | 0.00% | 0.23% |
| Q2 2025 | $238.7M | $220.0M | 2.53% | 0.00% | 0.21% |
| Q3 2025 | $243.1M | $220.5M | 2.37% | 0.00% | 0.14% |
| Q4 2025 | $246.7M | $222.0M | 2.28% | 0.00% | 0.10% |
| Q1 2026 | $222.5M | $226.0M | 2.45% | 0.00% | 0.09% |
| Q2 2026 | $223.2M | $227.7M | 2.39% | 0.00% | 0.06% |
Ozarks Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozarks Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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 Ozarks Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28277) · FFIEC NIC profile (RSSD 1016174)