Progressive 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 210.48 percentage points in Q2 2026, from 54.01% to 264.49%. It was the largest change from Q1 2026 among the key lines here. Among 192 Missouri banks, Progressive Ozark Bank sits 18th from the top on return on assets, 2.47% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Progressive Ozark Bank reported 2.47% on return on assets in Q2 2026, 1.22 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.45% |
| Tier 1 risk-based capital ratio | 13.45% |
| Total risk-based capital ratio | 14.69% |
| Tier 1 leverage ratio | 9.78% |
| Equity capital to assets | 9.64% |
| Tangible equity to tangible assets | 9.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 1.51% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 14.34% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 264.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.47% |
| Return on equity | 25.88% |
| Net interest margin | 5.63% |
| Efficiency ratio | 65.60% |
| Yield on earning assets | 6.56% |
| Cost of funds | 0.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.42% |
| Core deposits to total deposits | 97.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.40% |
| Securities to assets | 5.87% |
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 | 12.34% | 12.34% | 13.37% | 9.48% | 2.04% |
| Q4 2023 | 12.23% | 12.23% | 13.28% | 9.42% | 1.44% |
| Q1 2024 | 12.51% | 12.51% | 13.52% | 9.31% | 1.97% |
| Q2 2024 | 12.67% | 12.67% | 13.70% | 9.40% | 1.92% |
| Q3 2024 | 12.89% | 12.89% | 13.94% | 9.74% | 2.26% |
| Q4 2024 | 12.56% | 12.56% | 13.63% | 9.67% | 2.02% |
| Q1 2025 | 12.73% | 12.73% | 13.79% | 9.63% | 2.03% |
| Q2 2025 | 12.68% | 12.68% | 13.78% | 9.49% | 2.07% |
| Q3 2025 | 12.76% | 12.76% | 13.96% | 9.37% | 1.86% |
| Q4 2025 | 12.75% | 12.75% | 14.00% | 9.38% | 1.84% |
| Q1 2026 | 13.22% | 13.22% | 14.48% | 9.64% | 2.13% |
| Q2 2026 | 13.45% | 13.45% | 14.69% | 9.78% | 2.47% |
Progressive Ozark Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Progressive 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 Progressive Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31488) · FFIEC NIC profile (RSSD 143372)