TellerScore

Ozarks Federal Savings and Loan Association is a savings bank headquartered in Farmington, Missouri, in business for about 96 years. At the end of Q2 2026 it reported $277.2M in total assets and $227.7M in deposits, with 5 offices.

Based on its Q2 2026 filing, Ozarks Federal Savings and Loan Association scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 70th. Its strongest component is capital cushion (100/100; 15.09%), and its lowest is earnings (55/100; 0.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.09%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.95%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 97.1% · 7.7% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.90%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (67 → 76), mostly because the earnings component improved by 18 points.

TellerScore
647076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202464
Q4 202465
Q1 202566
Q2 202567
Q3 202569
Q4 202567
Q1 202671
Q2 202676
Tier 1 leverage ratio
5.00%10.05%15.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.79%
Q3 202414.36%
Q4 202413.90%
Q1 202513.66%
Q2 202513.69%
Q3 202513.76%
Q4 202513.67%
Q1 202613.67%
Q2 202615.09%
Noncurrent loans
0.84%1.01%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.00%
Q3 20241.17%
Q4 20240.97%
Q1 20251.00%
Q2 20251.00%
Q3 20250.84%
Q4 20251.05%
Q1 20261.19%
Q2 20260.95%
Return on assets
-0.03%0.44%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.03%
Q3 2024-0.02%
Q4 20240.04%
Q1 20250.35%
Q2 20250.42%
Q3 20250.49%
Q4 20250.52%
Q1 20260.91%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$277.2M15.09%0.95%0.87%97.1%
Q1 202671$279.1M13.67%1.19%0.91%97.6%
Q4 202567$306.3M13.67%1.05%0.52%110.1%
Q3 202569$295.6M13.76%0.84%0.49%109.2%
Q2 202567$292.4M13.69%1.00%0.42%107.5%
Q1 202566$290.4M13.66%1.00%0.35%110.4%
Q4 202465$288.7M13.90%0.97%0.04%111.6%
Q3 202464$279.8M14.36%1.17%-0.02%107.3%
Q2 202467$269.0M14.79%1.00%-0.03%104.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio15.09%
87th
Total risk-based capital21.46%
89th
Problem loans0.95%
29th
Net charge-offs-0.01%
86th
Return on assets0.87%
27th
Net interest margin3.84%
44th
Efficiency ratio75.7%
19th
Loans to deposits97.1%
14th
Uninsured deposits7.7%
97th
Loan-loss reserves0.95%
21st
Texas ratio4.9%
36th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Commercial BankBank Saint Louis, MO51 out of 100, Below average$282.9M7.9%1.00%vs
Arlo BankBank Springfield, MO77 out of 100, Strong$269.1M13.5%0.00%vs
Lamar Bank and Trust CompanyBank Lamar, MO79 out of 100, Strong$269.0M10.2%0.05%vs
United State BankBank Lewistown, MO80 out of 100, Strong$290.1M10.5%0.07%vs
Community Point BankBank Russellville, MO71 out of 100, Strong$259.7M8.2%0.07%vs
Community First BankBank Butler, MO67 out of 100, Moderate$258.9M8.6%0.95%vs

Deposit insurance

Is my money safe at Ozarks Federal Savings and Loan Association?

Yes. Ozarks Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28277). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.7% of deposits ($17.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.46% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Ozarks Federal Savings and Loan Association lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ozarks Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
28277
RSSD ID
1016174
Primary regulator
OCC
Established
January 1, 1930
Headquarters
2 E Columbia St, Farmington, MO 63640
Employees
62

Quick answers

Ozarks Federal Savings and Loan Association: common questions

Is Ozarks Federal Savings and Loan Association FDIC insured?

Yes. Ozarks Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28277). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ozarks Federal Savings and Loan Association's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ozarks Federal Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #28277 in the FDIC failed bank list.

How many branches does Ozarks Federal Savings and Loan Association have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Farmington

InstitutionScoreAssetsCapitalProblem loansCompare
New Era BankBank Fredericktown, MO95 out of 100, Very strong$453.1M14.0%0.02%vs
Belgrade State BankBank Belgrade, MO74 out of 100, Strong$548.0M10.1%0.35%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
Bloomsdale BankBank Bloomsdale, MO73 out of 100, Strong$390.2M8.9%0.30%vs
Southeast Missouri Community Credit UnionCredit union Park Hills, MO68 out of 100, Moderate$6.4M8.7%0.18%vs