| Metric | Ozark Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +4.4% | -10.6 pts |
| Deposit growth (YoY) | -11.3% | +4.0% | -15.2 pts |
| Loan growth (YoY) | -1.8% | +5.6% | -7.3 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $341.0M | $283.1M | $253.8M | $28.4M | $1.9M | 1.12% | 4.32% | 1.11% |
| Q1 2026 | $349.1M | $290.1M | $262.7M | $28.1M | $1.2M | 1.33% | 4.27% | 1.12% |
| Q4 2025 | $346.6M | $277.9M | $263.3M | $28.3M | $5.7M | 1.59% | 3.97% | 0.00% |
| Q3 2025 | $344.8M | $276.1M | $263.1M | $28.2M | $4.5M | 1.66% | 3.87% | 0.00% |
| Q2 2025 | $363.6M | $319.0M | $258.3M | $26.5M | $2.8M | 1.53% | 3.70% | 0.00% |
| Q1 2025 | $344.9M | $298.7M | $253.8M | $25.2M | $1.3M | 1.46% | 3.63% | 0.00% |
| Q4 2024 | $383.5M | $355.9M | $249.9M | $23.7M | $4.2M | 1.15% | 3.24% | 0.00% |
| Q3 2024 | $352.9M | $292.7M | $239.3M | $25.5M | $2.9M | 1.07% | 3.19% | 0.00% |
Loan mix (Q2 2026): real estate $243.8M · commercial $11.7M · consumer $1.7M · securities $48.1M
| Ratio | Ozark Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.1% | 62.9% | 32th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ozark Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ozark Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ozark Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ozark Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.