# OZARK BANK
OZARK, MO · FDIC certificate 1654 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $341.0M | |
| Deposits | $283.1M | |
| Loans and leases | $258.3M | |
| Total equity | $28.4M | |
| Loans / deposits | 89.65% (p70 of band) | 82.04% |
| Liquid assets / assets | 21.90% (p39 of band) | |
| Uninsured deposits / deposits | 26.18% (p51 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.12% (p71 of band) | |
| FHLB advances / assets | 8.12% | |
| Tier 1 leverage | 9.23% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -12.45% (p37 of band) | -8.10% |
| AOCI / equity | -0.79% (p30 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 4.32% (p74 of band) | 3.91% |
| Efficiency ratio | 57.08% (p37 of band) | |
| Noncurrent loans | 1.47% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 119.22% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 63.59% (p67 of band) | |
| Auto loans | $1.2M (0.47% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | assets shrinking | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | assets shrinking |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, charge-offs p90 |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 1 |  | construction >100% equity, capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 3 | capital falling, assets shrinking |  |
| 2025-06 | 1 |  | capital falling, assets shrinking |
| 2025-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2025-12 | 4 | assets shrinking |  |
| 2026-03 | 1 | reserve under noncurrent | construction >100% equity, deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2026-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-19 [Ozark Bank presents $10,000 grants to local organizations - Christian County Headliner News](https://news.google.com/rss/articles/CBMimgFBVV95cUxQN0VBaG1mZ21kYzQzbTZBYm83TkhqWkRkOGxUc1VQNF9NbjNqdl9lbG1vT04xbnBRblQtZVdjTXcxZjl2UVYtNlc5ZDVmWXhLbS1JRXYwT05IV0NRSjZXazRMcmVVekdaUXBEWkJxMlhSMndwT2lzLXB0aHlzamhaeTNDVG92V3pfdE8wODJ5a0g1UWYwdUF6TkJB?oc=5) · Christian County Headliner News
- 2021-08-12 [Ozark Bank Celebrates 115th Anniversary - Springfield Business Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE84OWRxRzdXV3RCS2Z1M1M5U1JveDltRHA2NEZub2cyX0ZUaVpwMU5WRlJCX3AyRWRjQkdPb3FTYmRneWtzUkxRMG1LZGRCU0NlZzRkcXBfakJ4VXhrRmdMemhvLTBxeW5wWV9zVkpGRVRtZG0yNXp1WA?oc=5) · Springfield Business Journal
- 2020-07-09 [A Proud Heritage. A Promising Future. - Springfield Business Journal](https://news.google.com/rss/articles/CBMic0FVX3lxTE1ZZUhFc0w0eEc3UXA1S2FkVWpEZ0hsV2F1NVRpXzFBOFo1ZFhJU0hTc0tWX1dpWmFRX25mSEx6eVRBdS1Ld0Z2S1NOM29za1Z6WFpNSE9QWGc2Vi1pRjFjT3VGa0pqc0tSTDhYTl9tZVMwYWM?oc=5) · Springfield Business Journal
- 2021-11-23 [‘Am I even fit to be a mom?’ Diaper need is an invisible part of poverty in America - 19thnews.org](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1KQ2dnOHByY2h4Y0FxaWhiMVJvc3drSHlYeG1Za3M3Q240bHJJVmlDMXFHR3dCeUl1TTdBMTd4ajJFTjBXMjkzY1ZjU0xuUDdkTmM5NFFDUndIcjA4VDZlcFpES0UwTnc?oc=5) · 19thnews.org
- 2026-08-25 [Kansas man held without bond in Wright County forgery case - Ozark Radio News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbFRFVkR5cFMtRXFpTWkySVNWQndvQkRSNUVpbVoxZEZKZDhlanB4Skl4dU5xSUI5UG5iQ0piT3dldzdNcVZjczB0Nl94eTloMkJHZEpZZUt5b3ZpWGRjSmd2Z1BjWHVmMEN0dDJMeEw4M3lqa1FZZGZVaXBBRTdkWlQ3a01UdnlQUmdKTDFfeVpEUDVBM0M1ODBZX1M?oc=5) · Ozark Radio News
- 2018-12-13 [Michael Willhoit, owner of The African Queen, allegedly owes 5 banks about $4.25 million - Springfield News-Leader](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPYnZ6RlBNRVBNNF9fTmdvbE9CM2V1SDRZcTZlYWlIMW9TcXpZb19JcGFGQkgxeEVGZzdYcWtGVTdSaTBBN1hHcE9kemk0ckE1cW1HWWQwdzJlVGs4X0FwTHNxMmVPbzhSSGg1MzhWXzJjRWhTUzF1Q21NYnpkUm8yNGhRWjJGa3pCVEZEa1pGZlZwLWVqYVpMcW5fVkFsd2FwLU9pVjhiYnFXNHJ3WVJFNTlxb0x0RFVRUFk2b0tBa2F5T1FUSnVGMy1vSGtENU1zaTRGM3JJbVdYaXJweW9Vbg?oc=5) · Springfield News-Leader
- 2017-09-14 [Ozark Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9iaERaMzZoRERXNThTY1dCVzc2N2JxcUlfNDFEV2lxcFltakwySVBrc0Z1bldYdDdJSG40Wks4X0QyVGtJU0xZXzUtWXN1dDdlMHc?oc=5) · Springfield Business Journal
- 2015-12-21 [Ozark Bank wins Battle of the Banks - Christian County Headliner News](https://news.google.com/rss/articles/CBMifkFVX3lxTE9CM3FuLXlIeEZweXA3N2ltT25MSWRoMDN5cktjeTZXVnFoY1ZWRHgwN1dTbHdCVm56ZmJ2eTdBZWFpbC12VE90ZmlnQ0xKUVpEVVVab2tZeGlzTllRZWZRc0NHSURWNGRWWE1uekpRYTc5V0tXNDFGVGVGRHhidw?oc=5) · Christian County Headliner News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1654 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "1654", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide