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Overview / Commentary
106-112 North 2nd Avenue
Ozark, MO 65721

Ozark Bank is headquartered in Ozark and is the 119st largest bank in the state of Missouri. It is also the 3,156th largest bank in the nation. It was established in 1906 and as of March of 2014, it had grown to 58 employees at 4 locations. Ozark Bank has a A+ health rating.

Reviews (1)

What A JOKE!

Today I went to get a vehicle loan from these people.  This is a bank I have paid 3 vehicles off with EARLY!!  I never made a payment one day late.  Being loyal and responsible to these people got me no where.  If I had it to do over I would have made my payments when I got in the mood.  You may think I'm just an upset customer and you would be right, but to me it says something when I got my first car loan at 19 with Ozark Bank and now at 37 can not.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Ozark Bank had $1.7 million in non-current loans and owned real-estate with $25 million in equity and loan loss allowances on hand to cover it. This gives Ozark Bank a Texas Ratio of 6.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Ozark Bank decreased dramatically from 13.50% as of March 31, 2013 to 6.80% as of March 31, 2014, resulting in a positive change of 49.66%.This indicates that the balance sheet and financial strength for Ozark Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Ozark Bank has increased its total deposits by $1.05 million, resulting in 0.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ozark Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ozark Bank has $191.55 million in assets with $25 million in equity, resulting in a capitalization level of 13.05%, which is excellent.

Institution Statistics

FDIC Certificate #1654
Year Established1906
Primary RegulatorFDIC
Assets and Liabilities
Assets$191.55 million
Loans$127.63 million
Deposits$160.13 million
Equity Capital$23.60 million
Loan Loss Allowance$1.40 million
Real Estate Owned$1.70 million
Historic Data - March 2013
Assets$184.00 million
Equity Capital$24.17 million
Loan Loss Allowance$1.20 million
Unbacked Noncurrent Loans$0
Real Estate Owned$2.40 million
Profit Margin - Quarterly
Return on Assets0.62%
Return on Equity5.4%
Interest Income$1.75 million

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Ozark Bank Savings Account Rates

0.15%$50-Personal Savings Account
0.15%$25-Personal Savings Account (Minor)

Ozark Bank Money Market Rates

0.35%$100k-Century Money Market Account
0.30%$50k-Performance Money Market

Ozark Bank Checking Account Rates

0.20%$50k-Progress Interest Checking Account
0.15%$1,500-High Interest Checking Account
0.15%$1,500-Business Interest Checking Account
0.15%$1,500-Platinum Checking
0.05%$50-VIP Free Interest Checking Account
0.05%$50-50+ Free Interest Checking Account
0.05%$50-Silver Checking

Ozark Bank CD Rates

1.15%--60 Month CD
0.95%--48-59 Month CD
0.75%--36-47 Month CD
0.60%--24-35 Month CD
0.40%--12-23 Month CD
0.25%--182-364 Day CD
0.10%--7-181 Day CD

Ozark Bank IRA Rates

1.15%--60 Month IRA
0.95%--48-59 Month IRA
0.75%--36-47 Month IRA
0.60%--24-35 Month IRA
0.40%--12-23 Month IRA

Ozark Bank Locations
Ozark Bank106-112 North 2nd AvenueOzark, MO 65721
Ozark Branch1351 West State Highway NnOzark, MO 65721
Nixa Facility410 Massey BoulevardNixa, MO 65714
Drive-In BranchState Highway 14Ozark, MO 65721