Ozarks Federal Savings and Loan Association: how it compares with its peers
Against 87 MO banks with half to twice its assets, Ozarks Federal Savings and Loan Association's strongest measure in Q2 2026 is net interest margin (3.84% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (75.67% vs. 59.75%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 1.44% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 4.14% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.67% | 59.75% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.2M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.09% | 84.30% | Context |
What it means for lending operations
Its efficiency ratio of 75.67% is above the 59.75% 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
- Commercial Bank Saint Louis, MO · $283M
- Arlo Bank Springfield, MO · $269M
- Lamar Bank and Trust Company Lamar, MO · $269M
- United State Bank Lewistown, MO · $290M
- Community Point Bank Russellville, MO · $260M
- Community First Bank Butler, MO · $259M
Questions about Ozarks Federal Savings and Loan Association
How big is Ozarks Federal Savings and Loan Association?
Ozarks Federal Savings and Loan Association, established in 1930, is headquartered in Farmington, MO. It reported $277M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Ozarks Federal Savings and Loan Association's return on assets?
0.87% annualized in Q2 2026, against a 1.44% median for 87 MO banks with half to twice its assets, ahead of 13% of them.
What is Ozarks Federal Savings and Loan Association's efficiency ratio?
75.67% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 59.75%, and lower is better.
Is Ozarks Federal Savings and Loan Association growing its loans?
Net loans shrank 6.5% over the year to Q2 2026, while deposits grew 3.5%.
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.