Security Bank of the Ozarks
BankRegReports is independent of Security Bank of the Ozarks and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Security Bank of the Ozarks is an FDIC-insured commercial bank headquartered in Eminence, MO, established in 1959 (FDIC certificate 18033), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $155.1M, down 2.0% from Q2 2025, the 138th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 10.40% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18033
- Headquarters
- Eminence, MO
- Established
- 1959
- Total assets, Q2 2026
- $155.1M
- Assets vs Q2 2025
- -2.0%
- CET1 ratio, Q2 2026
- 10.40%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081518605
- Latest call report
- Q2 2026, FFIEC 051 · Security Bank of the Ozarks call report
- Holding company
- EMINENCE BANKSHARES, INC.
- Asset rank in state
- 138th of 191 in Missouri
Security Bank of the Ozarks is one of the more profitable banks of its size. Based in Eminence, Missouri, it had $155 million in assets at June 30, 2026, down 2.0% from a year earlier. It returns 23.4% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.91 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
The commercial and industrial book ($16 million) is worsening: 5.03% of it is past due or on nonaccrual, up from 2.37% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 6.0% and deposits fell 2.6%. Where it has less room is capital: it holds common equity equal to 10.40% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Security Bank of the Ozarks reported a CET1 capital ratio of 10.40%, a return on assets of 1.59%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 10.61%. The figures come from its call report filed with the FFIEC.
Security Bank of the Ozarks ranks as the 138th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $155.1M, loans rose 5.3% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 24.2% of total loans, followed by owner-occupied commercial real estate loans at 20.3%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in MO; its Summersville office books 35% of its branch deposits. By the capital ratios in its Q2 2026 call report, Security Bank of the Ozarks meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 18479 Main St, Eminence, MO 65466
- County
- Shannon
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 29, 1959
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $144.0M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $66K
- Average total assets
- $155.9M
- Average total loans
- $102.8M
- Average interest-bearing deposits
- $100.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 29, 1959
- FDIC Cert
- 18033
- Fed RSSD
- 956358
- Website
- www.sbozarks.com →
- Parent Holding Company
- EMINENCE BANKSHARES, INC. (RSSD 1140613)
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, Security Bank of the Ozarks's total assets ranged from $141.9M (Q1 2024) to $158.2M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$155.1M total assets against $158.2M; $144.4M total liabilities against $148.3M.
$105.1M net loans and leases against $99.3M; $144.0M total deposits against $147.7M.
$26.2M securities against $24.4M; $13.9M cash and balances due against $25.2M.
$2.3M total interest income against $2.5M; $547K total interest expense against $630K.
$1.7M net interest income against $1.8M.
$237K total noninterest income against $171K; $1.2M total noninterest expense against $1.2M.
$90K provision for credit losses against $90K.
$620K net income against $677K.
1.59% return on assets against 1.75%; 4.91% net interest margin against 5.31%.
10.40% CET1 capital ratio against 10.66%; 7.62% tier 1 leverage ratio against 7.50%.
Inside the full Security Bank of the Ozarks terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Bank of the Ozarks rankings
Its closest position to the top of a national ranking is 585 of 3,640, for Texas Ratio; its furthest is 2,054 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q1 2026) to 1.75% (Q2 2025) and its net interest margin ran from 4.40% (Q1 2025) to 5.31% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.40% | 1.59% | 0.56% | 10.61% | 4.91% |
| Q1 2026 | 10.76% | 0.78% | 0.68% | 11.44% | 4.84% |
| Q4 2025 | 10.90% | 1.49% | 0.25% | 7.28% | 4.88% |
| Q3 2025 | 11.12% | 1.45% | 0.58% | 11.08% | 4.86% |
| Q2 2025 | 10.66% | 1.75% | 0.74% | 13.80% | 5.31% |
| Q1 2025 | 10.11% | 0.98% | 3.13% | 38.46% | 4.40% |
| Q4 2024 | 10.18% | 1.20% | 2.82% | 36.81% | 4.51% |
| Q3 2024 | 10.26% | 1.39% | 3.06% | 36.80% | 4.59% |
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 |
|---|---|---|---|
| Summersville Branch of Security Bank of | Summersville , MO | 65571 | $50.6M |
| Security Bank of the Ozarks (main office) | Eminence , MO | 65466 | $39.6M |
| Winona Branch | Winona , MO | 65588 | $31.8M |
| Houston Branch of Security Bank of the Ozarks | Houston , MO | 65483 | $15.1M |
| Eminence Branch North of Security Bank O | Eminence , MO | 65466 | $6.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 2016 | Structure Change | Acquired Community Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 168 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $600K approved, $600K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Security Bank of the Ozarks’s latest filed figures and updates each quarter.
Similar banks
Compare Security Bank of the Ozarks with peers
Frequently asked about Security Bank of the Ozarks
What are Security Bank of the Ozarks's total assets?
As of the Q2 2026 filing, Security Bank of the Ozarks reported total assets of $155.1 million in its FFIEC call report.
Where is Security Bank of the Ozarks headquartered?
It is headquartered in Eminence, MO, United States.
When was Security Bank of the Ozarks founded?
It was established in 1959, per the FDIC institution directory.
Is Security Bank of the Ozarks FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank of the Ozarks?
Security Bank of the Ozarks's primary federal regulator is the FDIC.
What is Security Bank of the Ozarks's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.40% in its Q2 2026 call report, above regulatory requirements.
How many branches does Security Bank of the Ozarks 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 Security Bank of the Ozarks's Texas Ratio?
Its Texas Ratio is 10.61% 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.
Go deeper on Security Bank of the Ozarks.
Get an email when Security Bank of the Ozarks files its next call report, and benchmark it against any peer you choose.
Unlock Security Bank of the Ozarks, freeFree account