Security Bank of the Ozarks: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 293.97 percentage points higher than in Q1 2026, at 639.53%. Security Bank of the Ozarks ranks 79th of 192 Missouri banks on return on assets, in the upper half at 1.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Security Bank of the Ozarks sits 0.34 points higher, at 1.59% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.40% |
| Tier 1 risk-based capital ratio | 10.40% |
| Total risk-based capital ratio | 11.40% |
| Tier 1 leverage ratio | 7.62% |
| Equity capital to assets | 6.90% |
| Tangible equity to tangible assets | 6.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 10.61% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 639.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 23.44% |
| Net interest margin | 4.91% |
| Efficiency ratio | 62.59% |
| Yield on earning assets | 6.45% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.78% |
| Core deposits to total deposits | 91.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.83% |
| Securities to assets | 16.89% |
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 | 9.85% | 9.85% | 10.80% | 7.10% | 1.53% |
| Q4 2023 | 10.55% | 10.55% | 11.51% | 7.67% | 1.70% |
| Q1 2024 | 10.23% | 10.23% | 11.20% | 7.60% | 1.53% |
| Q2 2024 | 10.10% | 10.10% | 11.12% | 7.40% | 1.53% |
| Q3 2024 | 10.26% | 10.26% | 11.24% | 7.22% | 1.39% |
| Q4 2024 | 10.18% | 10.18% | 11.13% | 7.39% | 1.20% |
| Q1 2025 | 10.11% | 10.11% | 11.13% | 7.26% | 0.98% |
| Q2 2025 | 10.66% | 10.66% | 11.62% | 7.50% | 1.75% |
| Q3 2025 | 11.12% | 11.12% | 12.17% | 7.59% | 1.45% |
| Q4 2025 | 10.90% | 10.90% | 11.86% | 7.47% | 1.49% |
| Q1 2026 | 10.76% | 10.76% | 11.80% | 7.38% | 0.78% |
| Q2 2026 | 10.40% | 10.40% | 11.40% | 7.62% | 1.59% |
Security Bank of the Ozarks vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of the Ozarks, 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 Security Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18033) · FFIEC NIC profile (RSSD 956358)