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Ozarks Federal Savings And Loan Association
Farmington, MO · FDIC Certificate #28277 · Chartered 01/0
Total assets
$277.20M
Total deposits
$227.66M
Total equity
$41.15M
Net loans
$221.04M
Branches (offices)
5
Net income (YTD)
$1.25M
Rank: #2,580 of 4,213 U.S. banks by assets · #103 of 190 in Missouri. Assets changed -5.2% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 6.14% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 14.85% |
| Tier 1 leverage ratio | 15.09% |
| Uninsured deposits (share of deposits) | 7.7% |
| Noncurrent loans (share of loans) | 0.95% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 97.1% |
| Real estate loans (share of loans) | 100.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $223.02M | 100.9% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $138.00K | 0.1% | |
| Construction & development | $18.04M | 8.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $234.98M | $191.27M | $630.00K | $37.28M |
| Jun 2023 | $239.81M | $191.80M | $363.00K | $36.47M |
| Jun 2024 | $268.96M | $205.88M | -$37.00K | $37.61M |
| Jun 2025 | $292.42M | $219.98M | $612.00K | $38.76M |
| Jun 2026 | $277.20M | $227.66M | $1.25M | $41.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $227.66M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $227.66M.
Similar-sized banks
Dewitt Bank & Trust Co. ($277.34M) · Success Bank ($277.12M)
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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