Ozark Bank: how it compares with its peers
Against 79 MO banks with half to twice its assets, Ozark Bank's strongest measure in Q2 2026 is net interest margin (4.32% vs. a 4.15% peer median). Its weakest relative measure is return on assets (1.12% vs. 1.53%).
| Measure | Ozark Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.53% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 4.15% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.08% | 58.19% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.5M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.65% | 86.11% | Context |
What it means for lending operations
Its efficiency ratio of 57.08% is better than the 58.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Midwest Independent BankersBank Jefferson City, MO · $341M
- Exchange Bank Co. Kahoka, MO · $342M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Community Bank of Raymore Raymore, MO · $347M
- Heritage Community Bank Union, MO · $348M
- Community State Bank of Missouri Bowling Green, MO · $334M
Questions about Ozark Bank
How big is Ozark Bank?
Ozark Bank, established in 1906, is headquartered in Ozark, MO. It reported $341M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Ozark Bank's return on assets?
1.12% annualized in Q2 2026, against a 1.53% median for 79 MO banks with half to twice its assets, ahead of 24% of them.
What is Ozark Bank's efficiency ratio?
57.08% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 58.19%, and lower is better.
Is Ozark Bank growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits shrank 11.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.