Institution Statistics
| Ozark Bank | | FDIC Certificate # | 1654 | | BankRate Report | View | | Year Established | 1906 | | Employees | 57 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $192.71 million | | Loans | $107.29 million | | Deposits | $162.61 million | | Equity Capital | $24.46 million | | Loan Loss Allowance | $1.24 million | | Unbacked Noncurrent Loans | $575,000 | | Real Estate Owned | $2.06 million |
Historic Data - March 2011 | | Assets | $182.87 million | | Equity Capital | $23.55 million | | Loan Loss Allowance | $2.02 million | | Unbacked Noncurrent Loans | $2.18 million | | Real Estate Owned | $2.33 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.07% | | Return on Assets | 0.51% | | Return on Equity | 4.15% | | Interest Income | $1.76 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Ozark Bank had $2.64 million in non-current loans and owned real-estate with $25.7 million in equity and loan loss allowances on hand to cover it. This gives Ozark Bank a Texas Ratio of 10.26% which is above average. 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 significantly from 17.64% as of March 31, 2011 to 10.26% as of March 31, 2012, resulting in a positive change of 41.82%.This indicates that the balance sheet and financial strength for Ozark Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Ozark Bank has increased its total deposits by $8.81 million, resulting in 5.73% 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 excellent. | | Capitalization | | | 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 $192.7 million in assets with $25.7 million in equity, resulting in a capitalization level of 13.33%, which is excellent. |
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Average User Rating:
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.