# COMMERCIAL BANK OF OZARK
OZARK, AL · FDIC certificate 17975 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $115.2M | |
| Deposits | $107.6M | |
| Loans and leases | $54.9M | |
| Total equity | $5.7M | |
| Loans / deposits | 50.48% (p20 of band) | 73.59% |
| Liquid assets / assets | 46.42% (p74 of band) | |
| Uninsured deposits / deposits | 16.89% (p39 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.65% (p51 of band) | |
| FHLB advances / assets | 0.65% | |
| Tier 1 leverage | 9.09% (p12 of band) | 11.76% |
| Unrealized securities loss / equity | -102.55% (p1 of band) | -6.57% |
| AOCI / equity | -2.14% (p11 of band) | |
| ROA (annualized) | 0.51% (p18 of band) | 1.17% |
| Net interest margin | 3.38% (p24 of band) | 3.93% |
| Efficiency ratio | 85.15% (p86 of band) | |
| Noncurrent loans | 1.14% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 89.44% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 17.22% (p49 of band) | |
| Auto loans | $2.7M (4.92% of loans; DQ 3.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2013-06 | 0 |  | reserve under noncurrent, charge-offs p90, uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | capital falling, expense ratio p90, reserve under noncurrent |  |
| 2014-06 | 2 |  | expense ratio p90 |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, noncurrent p90 |  |
| 2015-06 | 2 |  | noncurrent p90 |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | expense ratio p90 |  |
| 2016-06 | 1 |  | expense ratio p90 |
| 2016-09 | 2 | expense ratio p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | noncurrent p90, deposits shrinking |  |
| 2020-03 | 2 | capital falling | noncurrent p90, deposits shrinking |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 2 | noncurrent p90 |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 | noncurrent p90 |
| 2022-06 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 7 | noncurrent p90, construction >100% equity | uninsured deposits leaving |
| 2022-12 | 5 |  | charge-offs p90, construction >100% equity |
| 2023-03 | 2 |  | AOCI drag >20% of equity, assets shrinking, noncurrent p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 3 | capital falling | AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 4 | losing money, charge-offs p90 | capital falling |
| 2024-06 | 2 |  | losing money, charge-offs p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | AOCI drag >20% of equity |  |
| 2025-03 | 2 |  | AOCI drag >20% of equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2021-02-23 [Larry Ezell Obituary Feb 23, 2021 - Fuqua Bankston Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5JM29zRG1IMHlicTZsRDRkNDlwaU1vZXpyNDdLMUhLaFdxUjFINjJZazgtdWVzdzlqN3ZLbTkyN1UwRW9mVEY0b3lCNlpWLUQ0NGhiVlBxYlBoNmhjNzVKVXZ3?oc=5) · Fuqua Bankston Funeral Home
- 2023-01-20 [20 community banks with the highest returns on average equity - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNR1ItODRmREg4Z2FfRExlTXpzdWZ0Y0d0UU5QNk1tV2NOb1RCWWU3U1JYMl95N3Q2WTVTRnRsVmtiX3AtSTNzMk1YV2dUcS1KOFljVG42NEdKbG5KUUdsR2pKczFTd3ZfQWlRUUFORllnc1c3MmFyZFNzcEdVY2ROMWo4REM5eFlZQWJqQzJjVzlndE5hT1hObWU5bDRiZw?oc=5) · American Banker
- 2021-10-21 [Rising Stars in Alabama banking - Business Alabama Magazine](https://news.google.com/rss/articles/CBMibEFVX3lxTE5YTGNkQkJLUHNxVlZwdXpGV2FCLWlJUFV0RExIUEh4YndWNGo3OVYxekhUTmtBUXFvdkxmcXNYcWZRSDM0WVRVVlllaHNDZi1yXzlSNm5NMUhKUExpOUh6T3JCUmJIYzFhS09NUw?oc=5) · Business Alabama Magazine
- 2024-07-04 [Christian Alexander Markoff Obituary Feb 2, 2014 - Sunset Memorial Park, Funeral Home, and Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTFAxQ2NNU0JWSWR1ZTRsbHBWUTJFYkNfQTdRRWdBUHp4QW4xR3l0ZHZQdjNjX2Y0empOMWRtcUtHWTkwUURzZFh0aC1lOXhrbkxTYTg3Tmx5ZzB0SzlhazRuVnNvdmF1MlBnVGxkX2wzR3I?oc=5) · Sunset Memorial Park, Funeral Home, and Crematory
- 2015-09-27 [John Tamplin Obituary - Ozark, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE5TTkdmbXhxc0M4bEg2aU5UVXdrT3FPZ1d2c1VUS1l5dkZvU19lUmlDaXF1NW15bDVJb3VRbTZOY3l1QzgtbTBMSHU3WkpEekpEUzhZcVVFV1pYeFhVRUVXRnNva3hDajNDRFNMR3p1OW9sM25Sd1BMemxjaFE?oc=5) · Dignity Memorial
- 2019-05-01 [One Family's DIY Approach to Converting a Warehouse Into a Buzzing Coffee Shop - National Trust for Historic Preservation](https://news.google.com/rss/articles/CBMirwFBVV95cUxPU2NxSDZnMkx3TzBVOUhPejg0S2VrTGVFRVk0NFNNOTBLbVRYR1Zpc3Y3NllYY2lmWmFwOFFMQmpDTTEzZjZ3VVA3eWRaeGotWnBJRDVIcTBkeDdMLWsxUzJ5UEt0V01vZHMtT1hoM1RsNDJKSGpkX1ZucGxNdUtmWWk4M2VyZ0VsOS1NbUo0ck1DZlROaTgxYmpGVVd5cWJKSFdjYlBFLTZoTDBmUE9J?oc=5) · National Trust for Historic Preservation
- 2010-12-31 [Leon McLaughlin Obituary (2010) - Ozark, AL - Dothan Eagle - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTXVuYU5JOUVvMUJWVXZYMUR3NHh1VHR4Z1B0V1FoTl8tald0aThyM0I2WGVzYTAzVVRNcXJvY3Y1Z21Zc2pwdk5tTWlIVDhOV2NQc3BCOElCc3R0b0YxM1lybzYwMzVMSy1MQjhYZ2E0NXlmUm9LeHJzZ3NrUHdKdlVNa1pIRENWbDlRVEd0WkxtQzRt?oc=5) · legacy.com
- 2013-10-27 [BETTY GALLOWAY Obituary (2013) - Dothan, AL - Dothan Eagle - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQlEybml0b2lfR0NYSzEtM19vcXN6NV9VNTZsVG9PWnlEOUhGLU9FWFRlWFBqa29wLTZYWTF1U3NDTUhTZUI2Z25YS0VmSjRvUkFRNzRYVzcxLURSbzlsMjctMXFXUTFYVjl0RW9QMnJBT2lEUk9CRENaQVp1X2V5aUNGa004b2pmRnFiRVBGaElKZU0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17975 (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/55.json (key "17975", 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