# SECURITY BANK OF THE OZARKS
EMINENCE, MO · FDIC certificate 18033 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $155.1M | |
| Deposits | $144.0M | |
| Loans and leases | $106.2M | |
| Total equity | $10.7M | |
| Loans / deposits | 73.02% (p49 of band) | 73.59% |
| Liquid assets / assets | 25.87% (p34 of band) | |
| Uninsured deposits / deposits | 13.12% (p25 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.62% (p1 of band) | 11.76% |
| Unrealized securities loss / equity | -16.63% (p28 of band) | -6.57% |
| AOCI / equity | -1.50% (p19 of band) | |
| ROA (annualized) | 1.19% (p51 of band) | 1.17% |
| Net interest margin | 4.90% (p88 of band) | 3.93% |
| Efficiency ratio | 70.65% (p62 of band) | |
| Noncurrent loans | 0.56% (p58 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | 183.95% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 49.25% (p79 of band) | |
| Auto loans | $4.5M (4.19% of loans; DQ 3.03%, NCO 0.00%) | |
| Loans to nondepository financials | $4.1M (39% of equity) (p100 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 51 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | leverage <7% |  |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 1 | leverage <7% |  |
| 2012-12 | 0 |  | leverage <7% |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | losing money, expense ratio p90 |  |
| 2016-06 | 3 | reserve under noncurrent |  |
| 2016-09 | 1 |  | losing money, reserve under noncurrent |
| 2016-12 | 0 |  | expense ratio p90 |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 2 | loans-to-lenders >50% equity |  |
| 2018-12 | 2 | reserve under noncurrent | capital falling |
| 2019-03 | 1 |  | reserve under noncurrent |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 3 | reserve under noncurrent |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | loans-to-lenders >50% equity |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2022-03 | 1 | loans-to-lenders >50% equity | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 1 |  | loans-to-lenders >50% equity, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 5 | capital falling, securities losses >30% of equity, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2024-09 | 5 | charge-offs p90 | securities losses >30% of equity |
| 2024-12 | 2 |  | capital falling, uninsured deposits leaving, charge-offs p90 |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 1 | capital falling | charge-offs p90 |
| 2026-06 | 0 |  | capital falling |

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

- 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
- 2017-08-25 [Former Summersville banker sentenced for stealing customer ID's, taking out loans for himself - KY3](https://news.google.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?oc=5) · KY3
- 2017-06-05 [Hundreds snap up new Alley Mill quarters at Ozark National Scenic Riverways debut - Springfield News-Leader](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOeV9kQU9abkNfV0MtRmZ4cC1MazhGVGxBRlVvbFhocGxxa1lKRVcxTjFPTmxEQlVvOUU5dzc0TnF5T2pZaEw5Tk9rUzQxel9FdHEyVGR2dXJuRzZXbTdVV29ENnlfdW1fM2tfQzVWcTlRZjZlWl9ON003MGdCQkFjSGhPblZZbHlIazlpdGhCZGNhRHdCQnFhYV8tR05iVG93RUNwMHdWenI2RkZmWUZYeElFODhad3FlRFQzblUwLWRlRFY1VHJpYmk5TG5jSHZaZmtiZzV3MG12ZGJuSmgxdzBFOWlBNUU?oc=5) · Springfield News-Leader
- 2026-08-20 [Texas County Fair Board receives $20,000 grant - Houston Herald](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZDM1Sl9aMk42MW1KZ3g2WndwWjUxRnpVTjFTN2FaZXlleU9PTHQ4XzJDOXU5NjRVQW5lYmZjdE1mbE5pajhZelBneHViNld1WndzOWVHd01POFd6WVVPbWFoOWQweS1mbUxCc18yM0lJTFJzSzlDWmhTaEJCUUlsWHVzU2VkUQ?oc=5) · Houston Herald
- 2023-09-05 [Teresa Lynn Coomer - Ozark Radio News](https://news.google.com/rss/articles/CBMiYEFVX3lxTE15cmpWMUk5d0gyay1YU0NTcDgtTGs5c2pjQzdDaHFGVGxEd2xva2UzRkFYSjc3TDJWeGxKa0JzVDQxTmtySXJIamVmYUlfQUlKcmhjMy1VSW1zcGFQZjAtWA?oc=5) · Ozark Radio News
- 2017-08-26 [Former bank officer sentenced for fraud ID theft scheme - KTLO](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRDAwd29MSndzSzVGekl4QzNEVmtBMkROSFFKdFVJc1ctM3hLdXp0RTZZTk1tWFJIY0JHc2tjS1BKREJSMHpPQmJvQXdxdC1zX3UyUGlTb0llSXE5Nk1ncWdDeU9JZzVtOXBHWUhIcWttcVNJbWF1aUs5SEdQVFhneUdwSmRQeDVrc3dXZXhtVmtVZw?oc=5) · KTLO
- 2025-02-01 [Peggy Ann Dixon Obituary (2025) - Mountain View, MO - Yarber Mortuary - Winona Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE9TRWJrZkVhbHRRZHZEa0FrY0VZT0NmWWh1ZWVLMlJpWF8yZjhFNVp1cjRyT1dnUVBDOFk2dXNVVXhmcVN0WVhKNThneFlxMXFsTGdhaDN4Nk1iSE1CNTY3dEdiMXVWMFE5Y21PSzhLNHl2eER1NHBZRmtEU2NBckU?oc=5) · Legacy obituary
- 2026-01-20 [3 die in house fire near Eminence, Mo. - KY3](https://news.google.com/rss/articles/CBMic0FVX3lxTE5ydVl3V0dmZEhjUlh5c0Z3QnFNV3Z0cmNzRVYyQzJjcFBXY2xYMEpxVFF3MThtMUo3cHdzZ0NEZHJNQ3prRnB4czd5ZFQzMFhLRGk2MGcxbnNKSmRybDRma3QzMm42YThVUERmTE9XdUR3Z0HSAYcBQVVfeXFMTXZCU08ybFpMNG8ycGhaVGJRcnhoVEFuU1A2bHJ4SFc0UEhJeFppcmkwV3gwNFpWSERpN1NLMlVnQ1lITzJBekJ5MXN3TURxeWs3MWdBWjJWeHJJSzd0dkIyUnBGc1hYZDQ1cTFwWFl1WUhZYnd1ZnZHZ0IzempqRi13X1h4Y2p3?oc=5) · KY3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18033 (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/49.json (key "18033", 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.

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