# COMMUNITY BANK OF THE OZARKS
SUNRISE BEACH, MO · FDIC certificate 27331 · asset band <$300M · latest filing 2012-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $42.8M | |
| Deposits | $41.9M | |
| Loans and leases | $27.5M | |
| Total equity | $726,000 | |
| Loans / deposits | 62.08% (p36 of band) | 69.20% |
| Liquid assets / assets | 9.15% (p2 of band) | |
| Uninsured deposits / deposits | 0.32% (p2 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.66% (p0 of band) | 10.13% |
| Unrealized securities loss / equity | 0.28% (p15 of band) | 3.81% |
| AOCI / equity | 0.28% (p48 of band) | |
| ROA (annualized) | -4.33% (p1 of band) | 0.80% |
| Net interest margin | 4.40% (p82 of band) | 3.77% |
| Efficiency ratio | 243.52% (p100 of band) | |
| Noncurrent loans | 18.41% (p99 of band) | 1.27% |
| Net charge-offs (annualized) | 0.62% (p88 of band) | |
| Reserve coverage of noncurrent | 29.82% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 191.60% (p99 of band) | |
| Auto loans | $441,000 (1.60% of loans; DQ 9.75%, NCO -0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -17.6% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **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 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 | leverage <5% | noncurrent p90 |
| 2011-09 | 9 | capital falling, noncurrent p90 |  |
| 2011-12 | 8 |  | charge-offs p90 |
| 2012-03 | 13 | charge-offs p90, construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 12 |  | capital falling |
| 2012-09 | 12 | liquid assets <10% | charge-offs p90 |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-07-07 [Merger of Two Area Banks to be Completed in November under Table Rock Community Bank Name - KRZK 106.3](https://news.google.com/rss/articles/CBMizgFBVV95cUxPWVdwbG5HOU92YnVnX2l1Tk5KcXk2dTZVOWdUY0FtaG1kQ2hWOFlLcmtXR3hyRnNPeEk1b2ZnTmNYb1BkS25BVlhlRU0ya3hQbmxEYnNyc19zb3lyb2U4NTIyVzk3d3hLQmpaUmN2MUREa0VTZWVjMk1uMDcwOVFENzllNldOOFMwVkxWUHRvbU93ZDU3X3g4dDJ5RHEzd0hHbDA4S1NUMklSMklRbGttVE85Qlk4US1ORTQ0S1ZPSW93NjRCWlJGQVg5Z0oydw?oc=5) · KRZK 106.3
- 2024-06-07 [Table Rock Community Bank opens Springfield branch - Springfield Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxQc0h4Y1lFRjAtb0htSlF6QkUwSWF1WmZfZXhPQ1VIUUZWYTNaZTlQV0VGOTAtcWY5OEM1cVROeHhFdDlhR1ZwZERtOFlMUU1tcmczUGRzWG1oLTU5Z2VOdWNYSEtPLUNrY3J5UlRBaFJtbjl6aUtjczBWeVIzd25VNEZCcFdtYUE?oc=5) · Springfield Business Journal
- 2022-12-21 [Missouri Family to Buy Stone Bank of Mountain View - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVTZrOUVsRlhxREF2UGNLbkM1RU5KZll0MS1mSGQybkw4d3Fjd3pmY2Nic2lobmFjSE5wMmUyMXZiWHl3b0VJOU92cG1tSVViTWxsUDRXTVRTS0ZCU0dxWXR3R0d6N0h6aFQtWF9xTlA5UFJXbGJnN0J5Zm5hR3AtaGlSR29mQ29WUFVGODBjekhIN0VRbXVZ?oc=5) · Arkansas Business
- 2025-06-28 [Marilyn M. Hays Obituary Jun 28, 2025 - Stanley Edenburn Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9ZcTFlTEVmY2h5ZzFobUN2UV90UEJkN2JqRURLdUFhUFBSb29uMjFIOGoxZjJPQ0pPNzNsMzVKQ0o2RWxZWEtyUWRjTnpMclRkQVk3MGZLSU04TGVWZ1lkeGRHYVNUdWtC?oc=5) · Stanley Edenburn Funeral Home
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2024-06-21 [Open for Business: Table Rock Community Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE5uc1FtME9qMFZJM2o2T0pJNGVoaEIyWjZjY0xvamEtUjRzSm9Fb19vQ1ZaYVlUYnBQT1J2ZTl5bUZ2OVFCMHNtWmlSZ2lxSEFFM1NUQjMzY09GVnpnOVZfa0ZRSkhtdGhTT1lKekhTbTVfb0x5X2JZeUxCb1BTdw?oc=5) · Springfield Business Journal
- 2022-03-30 [Alton Bancshares Announces Plans to Acquire Table Rock Community Bank - KRZK 106.3](https://news.google.com/rss/articles/CBMiswFBVV95cUxObzc1Y1drMzVDVkNZQk81NGtrY21oc3oza3BpMldHMnlPOFNWSl9hMzFKeXpKaGlCRHJFbXY1MHd2QVRLOF9vdjhRUWRSM0s4RUwwUzFnZl96bDEzOWF3R20xUWw0RjVpSFdmRWtMYk5wcXhsSnBwdW9PeENDaFgtaGFjSlY3Zkh2ekR1Ry1QbVVNTGtCMkpHdXk5OHAzZTRMZEVNQVJpMmhKa0RkTVNGWE9ZUQ?oc=5) · KRZK 106.3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27331 (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/3.json (key "27331", 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