The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 16 points (71 → 55), mostly because the loan quality component weakened by 49 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Missouri

Yes. Ozark Bank is an FDIC-insured institution (FDIC certificate #1654). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($74.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.23%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Ozark Bank lists 4 offices in 2 cities. Most locations:

• Ozark, MO (3)
• Nixa, MO (1)

All branch addresses and map

In 2025, Ozark Bank reported 103 home-loan applications under HMDA (LEI 5493006BPEIMPS70UU26): 70 originated ($19,020,000 total), 4 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Ozark Bank

Former names

Ozark Savings Bank

Type

State-chartered bank

FDIC certificate #

1654

RSSD ID

882952

Primary regulator

FDIC

Established

September 25, 1906

Headquarters

106 N 2nd Ave, Ozark, MO 65721

Website

www.ozarkbank.com

Employees

58