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Overview / Commentary
400 South Commercial Street
Branson, MO 65616

Ozark Mountain Bank is headquartered in Branson and is the 73rd largest bank in the state of Missouri. It is also the 2,066th largest bank in the nation. It was established in 1950 and as of March of 2014, it had grown to 73 employees at 6 locations. Ozark Mountain Bank has a B health rating.

Reviews (1)

House Of Thiefs

This bank steals from the poor to make them more poor, they really don't care about the small people ! I've had withdrals rearanged so they could charge multipal overdrafts on several occasions . Most locations had very nice tellers but the main branch is full of hate filled venomous women . I will never do business with ozark mountain bank again.


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 Mountain Bank had $6.8 million in non-current loans and owned real-estate with $32.59 million in equity and loan loss allowances on hand to cover it. This gives Ozark Mountain Bank a Texas Ratio of 20.85% 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 Mountain Bank experienced no significant changes from 20.06% as of March 31, 2013 to 20.85% as of March 31, 2014, resulting in a negative change of 3.96%. This indicates that the balance sheet and financial strength for Ozark Mountain Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Ozark Mountain Bank has increased its total deposits by $2.08 million, resulting in 0.75% 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 Mountain 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 Mountain Bank has $318.13 million in assets with $32.59 million in equity, resulting in a capitalization level of 10.25%, which is above average.

Institution Statistics

FDIC Certificate #16924
Year Established1950
Primary RegulatorFED
Assets and Liabilities
Assets$318.13 million
Loans$179.77 million
Deposits$280.19 million
Equity Capital$27.67 million
Loan Loss Allowance$4.93 million
Unbacked Noncurrent Loans$2.06 million
Real Estate Owned$4.74 million
Historic Data - March 2013
Assets$316.85 million
Equity Capital$27.91 million
Loan Loss Allowance$4.68 million
Unbacked Noncurrent Loans$2.06 million
Real Estate Owned$5.12 million
Profit Margin - Quarterly
Return on Assets0.85%
Return on Equity9.56%
Interest Income$2.69 million

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Ozark Mountain Bank Locations
Cedar Ridge Facility1115 James F. Epps RoadBranson, MO 65616
Web Branch2116 Nelwood DriveColumbia, MO 65202
Motor Bank West Branch302 S Hwy 165Branson, MO 65616
Ozark Mountain Bank400 South Commercial StreetBranson, MO 65616
Hollister Bank Office710 Birch StreetHollister, MO 65672
Branson West FacilityHighway 13 and 76Branson, MO 65737