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Century Bank Of The Ozarks
Gainesville, MO · FDIC Certificate #8296 · Chartered 07/2
Total assets
$305.31M
Total deposits
$273.10M
Total equity
$27.43M
Net loans
$253.15M
Branches (offices)
5
Net income (YTD)
$2.82M
Rank: #2,439 of 4,213 U.S. banks by assets · #99 of 190 in Missouri. Assets changed 9.8% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.92% |
| Return on equity | 21.13% |
| Net interest margin (YTD) | 5.33% |
| Equity to assets | 8.99% |
| Tier 1 leverage ratio | 8.84% |
| Uninsured deposits (share of deposits) | 10.5% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 92.7% |
| Real estate loans (share of loans) | 90.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $227.76M | 90.0% | |
| Commercial & industrial | $13.65M | 5.4% | |
| Consumer / individual | $7.11M | 2.8% | |
| Construction & development | $10.80M | 4.3% | |
| Agricultural | $9.04M | 3.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $244.40M | $218.43M | $1.61M | $22.63M |
| Jun 2023 | $261.87M | $233.64M | $2.42M | $23.88M |
| Jun 2024 | $265.83M | $237.02M | $2.37M | $24.88M |
| Jun 2025 | $278.05M | $246.99M | $2.77M | $25.56M |
| Jun 2026 | $305.31M | $273.10M | $2.82M | $27.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $247.37M | 4 |
| Arkansas | $25.73M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $273.10M.
Similar-sized banks
First Secure State Bank ($305.63M) · The Farmers Bank Of Milton ($305.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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