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The Commercial Bank Of Ozark
Ozark, AL · FDIC Certificate #17975 · Chartered 04/0
Total assets
$115.19M
Total deposits
$107.59M
Total equity
$5.66M
Net loans
$54.31M
Branches (offices)
2
Net income (YTD)
$296.00K
Rank: #3,565 of 4,213 U.S. banks by assets · #80 of 93 in Alabama. Assets changed 1.3% and deposits 0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 11.02% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 4.91% |
| Tier 1 leverage ratio | 9.09% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 1.14% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 50.5% |
| Real estate loans (share of loans) | 51.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.20M | 51.9% | |
| Commercial & industrial | $19.84M | 36.5% | |
| Consumer / individual | $5.03M | 9.3% | |
| Construction & development | $974.00K | 1.8% | |
| Agricultural | $385.00K | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $112.76M | $109.99M | $256.00K | $2.35M |
| Jun 2023 | $112.12M | $108.66M | $184.00K | $2.42M |
| Jun 2024 | $112.67M | $105.70M | $59.00K | $2.79M |
| Jun 2025 | $113.73M | $107.55M | $383.00K | $3.43M |
| Jun 2026 | $115.19M | $107.59M | $296.00K | $5.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $107.59M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $107.59M.
Similar-sized banks
State Bank ($115.39M) · The Lyndon State Bank ($115.14M)
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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