Security Bank of the Ozarks: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank of the Ozarks of Eminence, 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 | 1.59% | 1.34% | +0.25% | 68th above |
| ROAE | 23.44% | 13.31% | +10.13% | 94th top |
| Net Interest Margin | 4.91% | 3.93% | +0.98% | 91st top |
| Efficiency Ratio | 62.59% | 61.14% | +1.45% | 46th below |
| PPNR / Avg Assets | 1.83% | 1.68% | +0.15% | 64th above |
| Yield on Earning Assets | 6.45% | 5.67% | +0.78% | 86th top |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 68th above |
| Net Interest Spread | 4.30% | 3.32% | +0.98% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.70% | -0.21% | 39th below |
| NCO / Avg Loans | 0.27% | 0.16% | +0.11% | 10th bottom |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 639.53% | 1538.82% | -899.29% | 75th top |
| Texas Ratio | 10.61% | 7.33% | +3.28% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 253.03% | 1395.75% | -1142.72% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.40% | 19.50% | -9.10% | 5th bottom |
| Tier 1 Ratio | 10.40% | 19.54% | -9.14% | 4th bottom |
| Total Capital Ratio | 11.40% | 20.62% | -9.22% | 4th bottom |
| Leverage Ratio | 7.62% | 12.14% | -4.52% | 1st bottom |
| Equity / Assets | 6.90% | 11.38% | -4.48% | 6th bottom |
| TCE / Tangible Assets | 6.51% | 11.09% | -4.58% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.78% | 80.64% | -6.86% | 64th above |
| Core Deposit Ratio | 91.81% | 86.86% | +4.95% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.97% | 6.85% | -8.82% | 11th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.96% | 7.90% | -1.94% | 54th above |
| Deposit Growth (Y/Y) | -2.57% | 6.29% | -8.86% | 12th bottom |
See Security Bank of the Ozarks's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank of the Ozarks, 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 Security Bank of the Ozarks profile, how to read a UBPR, or how this data updates.