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Ozark Bank
Ozark, MO · FDIC Certificate #1654 · Chartered 09/2
Total assets
$341.00M
Total deposits
$283.08M
Total equity
$28.45M
Net loans
$253.79M
Branches (offices)
4
Net income (YTD)
$1.94M
Rank: #2,287 of 4,213 U.S. banks by assets · #93 of 190 in Missouri. Assets changed -6.2% and deposits -11.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 13.71% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 8.34% |
| Tier 1 leverage ratio | 9.23% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 1.47% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 96.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $243.76M | 96.0% | |
| Commercial & industrial | $11.65M | 4.6% | |
| Consumer / individual | $1.72M | 0.7% | |
| Construction & development | $18.09M | 7.1% | |
| Agricultural | $1.14M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $324.64M | $300.45M | $1.92M | $21.34M |
| Jun 2023 | $328.57M | $291.13M | $1.99M | $21.42M |
| Jun 2024 | $354.49M | $294.84M | $1.85M | $23.00M |
| Jun 2025 | $363.63M | $319.03M | $2.78M | $26.50M |
| Jun 2026 | $341.00M | $283.08M | $1.94M | $28.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $283.08M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.08M.
Similar-sized banks
Midwest Independent Bankersbank ($341.43M) · Riverhills Bank ($340.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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