# CENTURY BANK OF THE OZARKS
GAINESVILLE, MO · FDIC certificate 8296 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $305.3M | |
| Deposits | $273.1M | |
| Loans and leases | $257.0M | |
| Total equity | $27.4M | |
| Loans / deposits | 92.69% (p76 of band) | 82.04% |
| Liquid assets / assets | 11.75% (p8 of band) | |
| Uninsured deposits / deposits | 10.54% (p5 of band) | 25.97% |
| Brokered deposits | 0.30% | |
| Wholesale funding | 0.30% (p28 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.84% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -0.05% (p96 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.92% (p84 of band) | 1.28% |
| Net interest margin | 5.33% (p97 of band) | 3.91% |
| Efficiency ratio | 54.75% (p30 of band) | |
| Noncurrent loans | 0.19% (p32 of band) | 0.43% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 789.55% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 39.37% (p46 of band) | |
| Auto loans | $4.2M (1.62% of loans; DQ 2.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | charge-offs p90 | capital falling |
| 2018-09 | 1 | liquid assets <10% | charge-offs p90 |
| 2018-12 | 0 |  | liquid assets <10% |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | liquid assets <10% |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | uninsured deposits leaving |  |
| 2020-06 | 1 | capital falling | liquid assets <10%, uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 2 | liquid assets <10%, charge-offs p90 |  |
| 2026-03 | 1 | capital falling | liquid assets <10%, charge-offs p90 |
| 2026-06 | 1 |  |  |

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

- 2026-03-05 [An Open Letter from Century Bank: The growing threat of financial scams - Ozark County Times |](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQkc2Ync4dlJQSGZld0o0aER6M1J0N0d6UWtYMUpBZlpFdW43cTllby1sb2VvdFp4c3hEOUhxcld0cGF0ckxrOUxEZVpZVExWTkdmeGc3MnFKcGNpdFpxcVNjVGhnYnAtVXhOVjRNM1dRaWtWdDZCNmVpVjJQWXpTcmdBUjhZaExqVmJQandTTjlkT2FUUFREWjEtZ0w1YTlwN0E?oc=5) · Ozark County Times |
- 2026-04-27 [Touring The Ozarks w/ Travis Smith – Gainesville – Century Bank Of The Ozarks - Ozark Radio News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOMXNucmdYWkV6VDdWRjRycWpib2lqaVBzeVVWYlZLYnJQSzhtMll5elNLV1RxSDdLWU53bTFGWWhudEw5MFlfSUJ6ZzJRUG81ZG9SYzlDTWhORV9tbmdpcHZqTVFBQld2VElSR0NHeUd3X2RabFRuNnVlSjl5Mm9VUzhFeUFXbHhUS1NHT3NVN3lMNTI4NXRwcXN2YUlLU3FQYWxwdEpLanktYXU2M1lB?oc=5) · Ozark Radio News
- 2021-10-09 [Missouri bank opens LPO in Fayetteville - Talk Business & Politics](https://news.google.com/rss/articles/CBMifkFVX3lxTE5iWnVIbjZ5REFuSXhOYnFxS3RucW5vekcwdUdQLWdoVlh1LUpXbTk5Uzl0MGZabklLejJTc1NBdlVHMDF0cWhKMldOYXU4ZU1hblU5a1BWcFRtandQM2Z0ajVkNEN2MG9hWHlRQlg0X3BKZjZidEc5QXZ3dWFLUQ?oc=5) · Talk Business &amp; Politics
- 2023-07-08 [On Your Side: Century Bank of the Ozarks warns customers of phone scam - KY3](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYTYyN0NHSnEtX0Z3TU82NmJ0RkNuT3RRekJmVnZrNjJDUFVnOEl3NzlmMlNrQ1RicnNDc2NNQVgxZlJ1SWJhNkV0SkFDdjIxSEtxRnlhYjl1dnF5RFNuVkRFUXFnak9laUp2d0VGZWExd2NzeGYwWGVfRW51b3UtMmJNLUU3ZnZfdzVEV1pTTnh6Z9IBpgFBVV95cUxOTmVUS19oVklaNUxSbzJTMXBOQ0xLZV80bHctSXlFa2NPekZqWG52NTBxYVJRV09ScFE5WEdVRHF6MDJSd29VMUtFM0luUldpYV9ReTI4a285eFJCdlpQdmVzbTN1Y2lKNUhpS2t4UkhPZE5xWGNudmhCdGRMQWxjajJ4cnZzX1NkSjZLSWltVTBmM2FRY2hrUEthVFFsbjZNZGhCdUNB?oc=5) · KY3
- 2024-07-24 [Century Bank marks 130 colorful years of challenges, changes and celebrations - Ozark County Times |](https://news.google.com/rss/articles/CBMiugFBVV95cUxORHNzMU1SUHBlRlYzbjJUeGJMMldEMGRVTzhINEZVRDZjTmNHZHlVcGFnOUhfN0EyM0hjZWpEdldSV3pkWjJrbTRoLUJubWdVMW1PQ1FDVWtiTmZSbUZGRXE0YUg5QnJKYklZemdtbUhqTDVNQjBlMGFXYVNIYkx3d0Y3UnpWTkNIdHFYb0hWYjhNTGNBdEgyOGlUQmxYYWtiTVd5OUV4OUlnNm5pcFNwYTVWUHRHN2hFQmc?oc=5) · Ozark County Times |
- 2021-10-08 [Antique cannonball safe from 1894 on display in Gainesville bank - Heartlander News](https://news.google.com/rss/articles/CBMimAFBVV95cUxPZ2NVM3h5enFNZTdZelE5NFc3ZnpBZ2FkMXJ4aGhONWU5STVHZmhmTWV2SkFLVWp1MkR4TUpreUpqczdIb2dremlSZFJpa0JySGZvWkQ1a1I5dnhkclJyeGVhRFYzUmZuRzk5eDNKNktGN3RqSEVpejg2ZWZPU2wtMkhhTnhvRlJ6aFMzZFNBQ1JrWVBHNGk2Wg?oc=5) · Heartlander News
- 2024-07-17 [Century Bank and Harlin family share colorful 130-year history - Ozark County Times |](https://news.google.com/rss/articles/CBMisAFBVV95cUxQM0g5Q29TNEU1XzNiYXpRZjdEUThNZTdpRmV3eDB5ZHh6YUwyQlVZRUk3eVF1TFRsUDBXcGRTUTIwdHp3eVJUQVJ6NThhVDJjQ3Judmo5dnBaSUZZMUxRYWhjSEVXbzFFODE4WGVEbnp3ajhkZFNCa2RDYWU5YUR2QkdycDJXbDE0ZFE5R3h2RDJrNmVTblg5RTEyV180V3pqSnZMZGZkVk9GS3l0RU5qaQ?oc=5) · Ozark County Times |
- 2019-07-25 [Celebrating 125 years, Century Bank’s history is also history of four generations - Ozark County Times |](https://news.google.com/rss/articles/CBMixgFBVV95cUxQVUR6ckNnWXUxOVpEaFBTSlZHMzQwaXJ6T3BkblNNMDQzaXEyX1BpbU9FQktBX1RKa0o0aDZud3FfRkhBMjBnZmNOcmh5RTJSa2c2b1FZR3lWMlZ1bTVSMFdXSGFCQ2puUEVyOE5KWHpnMnkzWFZRSnJOcFFBdTcxbV9CN3l4Y0I2SHg2RDg5Y2pjTFhnaDg5TkVBZVUxaWpkMkRWX2UwWnNMd2FxY3hsVDJLYU5Uamw0ZmxVdVM1bWtKSTAtRXc?oc=5) · Ozark County Times |

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8296 (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/40.json (key "8296", 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