Ozarks Federal Savings and Loan Association: 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 26.88 percentage points in Q2 2026, from 73.02% to 99.91%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Ozarks Federal Savings and Loan Association is 167th of 192 on return on assets, 0.82% as of Q2 2026, below the middle of the field. Ozarks Federal Savings and Loan Association reported 0.82% on return on assets for Q2 2026, 0.43 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.36% |
| Tier 1 risk-based capital ratio | 20.36% |
| Total risk-based capital ratio | 21.46% |
| Tier 1 leverage ratio | 15.09% |
| Equity capital to assets | 14.85% |
| Tangible equity to tangible assets | 14.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.95% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 4.90% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 99.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 5.64% |
| Net interest margin | 3.92% |
| Efficiency ratio | 73.71% |
| Yield on earning assets | 5.93% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.02% |
| Core deposits to total deposits | 88.29% |
| Brokered deposits to total deposits | 2.20% |
| Deposits to assets | 82.13% |
| Securities to assets | 4.81% |
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 | 21.14% | 21.14% | 22.31% | 15.89% | -0.01% |
| Q4 2023 | 20.86% | 20.86% | 22.01% | 15.16% | -0.11% |
| Q1 2024 | 20.65% | 20.65% | 21.76% | 15.05% | 0.02% |
| Q2 2024 | 20.14% | 20.14% | 21.22% | 14.79% | -0.07% |
| Q3 2024 | 19.46% | 19.46% | 20.52% | 14.36% | 0.00% |
| Q4 2024 | 18.98% | 18.98% | 20.06% | 13.90% | 0.22% |
| Q1 2025 | 18.51% | 18.51% | 19.60% | 13.66% | 0.35% |
| Q2 2025 | 18.70% | 18.70% | 19.80% | 13.69% | 0.49% |
| Q3 2025 | 18.72% | 18.72% | 19.85% | 13.76% | 0.62% |
| Q4 2025 | 18.61% | 18.61% | 19.73% | 13.67% | 0.61% |
| Q1 2026 | 20.26% | 20.26% | 21.36% | 13.67% | 0.88% |
| Q2 2026 | 20.36% | 20.36% | 21.46% | 15.09% | 0.82% |
Ozarks Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozarks Federal Savings and Loan Association, 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 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)