Security Bank of the Ozarks: how it compares with its peers
Against 87 MO banks with half to twice its assets, Security Bank of the Ozarks's strongest measure in Q2 2026 is net interest margin (4.90% vs. a 3.98% peer median). Its weakest relative measure is assets per employee ($3.0M vs. $6.1M).
| Measure | Security Bank of the Ozarks | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.25% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.90% | 3.98% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.65% | 61.35% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.0M | $6.1M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.02% | 79.07% | Context |
What it means for lending operations
Its efficiency ratio of 70.65% is above the 61.35% 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
- Bank of Monticello Monticello, MO · $159M
- Grand Missouri Bank Bolivar, MO · $151M
- Edward Jones Trust Company Saint Louis, MO · $161M
- Peoples Bank of Wyaconda, Missouri Kahoka, MO · $148M
- Peoples Bank Co. Altenburg, MO · $148M
- First Independent Bank Aurora, MO · $148M
Questions about Security Bank of the Ozarks
How big is Security Bank of the Ozarks?
Security Bank of the Ozarks, established in 1959, is headquartered in Eminence, MO. It reported $155M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Security Bank of the Ozarks's return on assets?
1.19% annualized in Q2 2026, against a 1.25% median for 87 MO banks with half to twice its assets, ahead of 45% of them.
What is Security Bank of the Ozarks's efficiency ratio?
70.65% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 61.35%, and lower is better.
Is Security Bank of the Ozarks growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits shrank 2.6%.
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.