# CENTRAL BANK OF THE OZARKS
SPRINGFIELD, MO · FDIC certificate 17633 · asset band $1-10B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (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 | $1.92B | |
| Deposits | $1.65B | |
| Loans and leases | $1.24B | |
| Total equity | $179.9M | |
| Loans / deposits | 74.01% (p50 of band) | 74.28% |
| Liquid assets / assets | 33.68% (p57 of band) | |
| Uninsured deposits / deposits | 23.32% (p25 of band) | 32.26% |
| Brokered deposits | 0.42% | |
| Wholesale funding | 4.61% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.36% (p44 of band) | 9.58% |
| Unrealized securities loss / equity | -0.18% (p33 of band) | 0.34% |
| AOCI / equity | -1.02% (p50 of band) | |
| ROA (annualized) | 1.41% (p65 of band) | 1.23% |
| Net interest margin | 3.04% (p37 of band) | 3.24% |
| Efficiency ratio | 56.80% (p40 of band) | |
| Noncurrent loans | 0.05% (p12 of band) | 0.38% |
| Net charge-offs (annualized) | 0.00% (p51 of band) | |
| Reserve coverage of noncurrent | 2791.69% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 58.52% (p66 of band) | |
| Auto loans | $148.9M (12.02% of loans; DQ 0.40%, NCO -0.01%) | |
| Loans to nondepository financials | $94,000 (0% of equity) (p76 of band) | |
| Deposits YoY | 11.5% | |
| Employees | 242 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 4 | loans exceed deposits, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 0 |  | loans exceed deposits, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2015-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 2 | brokered >10%, uninsured deposits leaving |  |
| 2017-06 | 1 |  | brokered >10% |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |

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

- 2025-10-24 [Central Bancompany’s IPO interest has advantages, challenges - Springfield Business Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSkNjZzRNMjJYUWZLeHJlUmM3ZHhCU3o0MTJ4bGZ5dWdOckFPVWNaN281ZlZ4QVFETzVLX3ZhcnY4Z3gzRDlCQ2JQUGQ3Ukx4NkNUa1JQWngtT01aWk96Z3lKUVlsZ3d2Q2liTWdyZWk4QTQ3WEQ1VVlGTnJkYVpUWEVHX1NSdzhweElaNGVJenhTMk0?oc=5) · Springfield Business Journal
- 2016-04-30 [Central Bank of the Ozarks announces addition of officers - Springfield News-Leader](https://news.google.com/rss/articles/CBMitwFBVV95cUxQZVViU204SkItQ2V4c0JPbjlSX0J3a04wWEIwWUtlYnRsNmFIbkFuc3AwNjhob1I3RGpHYlZwNDRucExGOHhWdmFMdnY2akFNa19SR2pzTVJ1SUJSYnlzRHljT3NTTGllTmwwV3dYVlFodzZXM3oyalItbURvVDhwaUZFRWxGbGhqbU9nTkk3UFVmT2tKUzhJdm9oZ3FjcmlOVGFPSnBoQlJXb3RMeDF6MFQ2bDE3Mjg?oc=5) · Springfield News-Leader
- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2017-02-23 [Central Bancompany aquires Bank Star One - KRCG](https://news.google.com/rss/articles/CBMiekFVX3lxTE42aWVMTGwxYzRCU0hYUjVzdzlSMW1UcnlORVBmTVA1aEo2R3UtS1BMVkJZN2NZdEdvcDczbW1tYVZDeThTZm52ZTZrT0NjQ2NpdW16WC05UExETW5yWGtLY0k3Q09DRjZhY2FQTmdQMElHNmhSaFh3THhn?oc=5) · KRCG
- 2019-08-08 [Central Bank of The Ozarks (MO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTzJuc1JYaTZyVUVlMVZlVHZWa2ZZaFRRdDNJcXl1Q1JUT0Z3aHM2d05DQlJwZkJEWjk5Ym4wMUxUUlowaFZmQ2JTdFJvd3pLYXV6cGpBMjV3YThRNThUUWhfajhUbEFvYUR5eWZQdzFMVGN5MlNBWDlhM2J6WkRPSFQxbWFROEV3eXBhTw?oc=5) · SmartAsset
- 2022-06-07 [Central Bank of the Midwest signs nearly $4M deal to become official bank of KU, plans to open branch in Kansas Union - Lawrence Journal-World](https://news.google.com/rss/articles/CBMigAJBVV95cUxOZzhiSHl3OHlkZWYxZGcxUUpYdklqNGtnRkIwcWFWNzdGWGEtWTlBMm1iSHBPZnNyNHhPUTJvYllhYmx0Q1ZSWkI2djNOaE9BT1pHN2I1ZTliTlFFZVltemk5UTA4UjlZeHF0VHdBQ18xY1M2WjZ1Q1hoSnBMMy02TnRqMGZBTXZzYjE3OUg5VFhMdktmUDd1aWVmblp0dWZTNnc3SVEyd2UzdDE3YTdDYWlJeUdBZ2FsNmtNdWdYOTlTOFl3cThMRW1IWVVXd2x0M1hHSWRUN3QzZEN6TDR5R2oyRTVfZXhKUXhEZ1JmMUhLZ2V3cGhPeDRLMHVPc3ox?oc=5) · Lawrence Journal-World
- 2019-04-12 [Central Bank makes a $104M buy in KC - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN2ZPbDl1TTdCa1V3M3ZQbmVYcFlKVC15LUpDRmJEN0ZlVlZBTzZBay1hbGVYdUlZZ3ZqYlNwZi1zM3Z2d1lIeTFHNHkxSkhkenBJaDlZNHMwTkUyREg2eVhQQ2gwYU02eGRBU2FnTnlwVnU3WUI3ZEZ6UmExc0VUZ25LMUFqOF9NMkh1LWFINnRQaTZCY2pR?oc=5) · The Business Journals
- 2018-08-14 [Central Bank of the Ozarks announces additions - Buffalo Reflex](https://news.google.com/rss/articles/CBMijgFBVV95cUxQMmdHaF9SY1lvRlRUUHNJV1VQUEdWYVlNUGJQaWlGX2xCNU9fOVRPbDl3TlFRSlg3bzk4Q2JjcGxLTmdFaVlSd3RPR0VZN0VmRUM4dzE1OTF6LXRXM0tjNVE0M1AxOWx1SC03TUItTUJ2ZzFyMDNjTEg5NWpnWEcxeTc1WlBVYkctV1piLWpB?oc=5) · Buffalo Reflex

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17633 (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/33.json (key "17633", 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