Century Bank of the Ozarks

Overview / Commentary
42 Court Square
Gainesville, MO 65655

Century Bank of the Ozarks is headquartered in Gainesville and is the 107th largest bank in the state of Missouri. It is also the 2,795th largest bank in the nation. It was established in 1894 and as of June of 2022, it had grown to 67 employees at 6 locations. Century Bank of the Ozarks has an A health rating.

Reviews (2)

Excellent hometown bank

Posted by: |

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: |

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 Grade Components

FDIC Certificate #8296
Year Established1894
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD14.27%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$244.4MM$239.7MM
LoansQ2 2022vs Q2 2021$178.6MM$162.4MM
DepositsQ2 2022vs Q2 2021$218.4MM$211.9MM
Equity CapitalQ2 2022vs Q2 2021$22.6MM$21.0MM
Loan Loss AllowanceQ2 2022vs Q2 2021$3.3MM$3.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$205.00K$97.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Century Bank of the Ozarks Checking Account Rates

4.00%*-$10kCentury Advantage Checking
OTHER TIERS: 0.03% $10k+

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 SqGainesville, MO 65655
Theodosia Facility6151 US Highway 160Theodosia, MO 65761
Mountain Home Branch2448 Hwy 62 EastMountain Home, AR 72653

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