The Commercial Bank Of Ozark: how it compares with its peers
Against 30 AL banks with half to twice its assets, The Commercial Bank Of Ozark's strongest measure in Q2 2026 is assets per employee ($5.2M vs. a $4.9M peer median). Its weakest relative measure is return on assets (0.51% vs. 1.06%).
| Measure | The Commercial Bank Of Ozark | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.51% | 1.06% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.90% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.15% | 70.07% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $4.9M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 50.48% | 63.16% | Context |
What it means for lending operations
Its efficiency ratio of 85.15% is above the 70.07% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peoples Bank of Greensboro Greensboro, AL · $116M
- Local Bank Tuscaloosa, AL · $111M
- The Samson Banking Company, Inc. Samson, AL · $124M
- Brantley Bank and Trust Company Brantley, AL · $127M
- The Citizens Bank Greensboro, AL · $129M
- First State Bank of the South, Inc. Sulligent, AL · $131M
Questions about The Commercial Bank Of Ozark
How big is The Commercial Bank Of Ozark?
The Commercial Bank Of Ozark, established in 1959, is headquartered in Ozark, AL. It reported $115M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Commercial Bank Of Ozark's return on assets?
0.51% annualized in Q2 2026, against a 1.06% median for 30 AL banks with half to twice its assets, ahead of 17% of them.
What is The Commercial Bank Of Ozark's efficiency ratio?
85.15% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 70.07%, and lower is better.
Is The Commercial Bank Of Ozark growing its loans?
Net loans grew 7.5% over the year to Q2 2026, while deposits grew 0.0%.
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 AL 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 Alabama bank ranked.