Ozarks Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ozarks Federal Savings and Loan Association of Farmington, MO against its peer group of 2672 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 | 0.82% | 1.34% | -0.52% | 24th bottom |
| ROAE | 5.64% | 13.32% | -7.68% | 16th bottom |
| Net Interest Margin | 3.92% | 3.93% | -0.01% | 49th below |
| Efficiency Ratio | 73.71% | 61.14% | +12.57% | 21st bottom |
| PPNR / Avg Assets | 1.07% | 1.68% | -0.61% | 24th bottom |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 26th below |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.95% | 0.94% | +0.01% | 29th below |
| NPA / Total Assets | 0.76% | 0.70% | +0.06% | 27th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 21st bottom |
| ACL / NPLs (Coverage) | 99.91% | 1539.10% | -1439.19% | 27th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.90% | 7.33% | -2.43% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.36% | 19.50% | +0.86% | 78th top |
| Tier 1 Ratio | 20.36% | 19.54% | +0.82% | 78th top |
| Total Capital Ratio | 21.46% | 20.62% | +0.84% | 79th top |
| Leverage Ratio | 15.09% | 12.14% | +2.95% | 87th top |
| Equity / Assets | 14.85% | 11.37% | +3.48% | 88th top |
| TCE / Tangible Assets | 14.85% | 11.09% | +3.76% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.02% | 80.63% | +17.39% | 14th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.29% | 86.86% | +1.43% | 45th below |
| Wholesale Funding Ratio | 1.98% | 5.03% | -3.05% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.21% | 6.86% | -12.07% | 5th bottom |
| Loan Growth (Y/Y) | -6.49% | 7.91% | -14.40% | 5th bottom |
| Deposit Growth (Y/Y) | 3.49% | 6.29% | -2.80% | 46th below |
See Ozarks Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ozarks Federal Savings and Loan Association, 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 Ozarks Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.