Overview / Commentary
800-248-5281
42 Court Square
Gainesville, MO 65655

Century Bank of the Ozarks is headquartered in Gainesville and is the 124th largest bank in the state of Missouri. It is also the 3,143rd largest bank in the nation. It was established in 1894 and as of June of 2018, it had grown to 51 employees at 4 locations. Century Bank of the Ozarks has an A health rating.

Reviews (2)

Excellent hometown bank

Posted by: Regnismar | Nov 6, 2017

Century Bank of the Ozarks is a small, local bank in my hometown. It also has a few other branches in neighboring towns. I opened my bank account in 2007, at 16 years old. I haven't ever had a single problem with anyone at this bank. There have been a few occasions where I overdraft my account. The fees for this I felt we're reasonable. I like that the bank will cover charges up to $200 over my available funds. In 2016, my debit card was compromised in another state. The charges were noticed immediately by my bank as being fraudulent. I was contacted, my debit card was turned off, and the full amount was refunded to my account. The bank worked diligently with my local police department to find the source of the compromise. I have nothing poorly to say about this bank. Customer service is wonderful! Anytime I need to reorder checks or just have questions about my account, they are quick to help and easy to get along with! I feel that with it being a small bank where everyone knows everyone it is easier to get the customer service one deserves!

Bankin Experience

Posted by: nimba100 | Apr 16, 2017

I have just been a customer of this bank just over a month now. When went in to become a customer customer service was very friendly and helpful. Becoming a depositor was very easy!! And the rate on the checking is very good (4%). I just wish the there was a higher limit than the $10,000.



Health

Health Grade Components

Overall
FDIC Certificate #8296
Year Established1894
Employees51
Primary RegulatorFED
Profit Margin
Return on Assets - YTD2.04%
Return on Equity - YTD22.31%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$176.0MM$172.8MM
LoansQ2 2018vs Q2 2017$139.3MM$136.0MM
DepositsQ2 2018vs Q2 2017$156.9MM$154.5MM
Equity CapitalQ2 2018vs Q2 2017$16.6MM$16.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.5MM$2.6MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$831.00K$1.6MM
Real Estate OwnedQ2 2018vs Q2 2017$86.00K$37.00K
Rates
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Century Bank of the Ozarks Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*-$10kCentury Advantage Checking
OTHER TIERS: 0.03% $10k+
Locations


Century Bank of the Ozarks Locations
Ava Branch1002 North West 12th AvenueAva, MO 65608
Bakersfield Branch1813 State Highway ArBakersfield, MO 65609
Century Bank Of The Ozarks42 Court SquareGainesville, MO 65655
Theodosia Facility6151 US Highway 160Theodosia, MO 65761

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