Headquartered in Salem, Missouri, Progressive Ozark Bank is a state-chartered bank (fed member) with $190.9M in total assets and $170.7M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1965.
Based on its Q2 2026 filing, Progressive Ozark Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 64th. Its strongest component is earnings (100/100; 2.30%), and its lowest is capital cushion (48/100; 9.78%).
TellerScore · Q2 2026
Scorecard
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 16 points (61 → 77), mostly because the loan quality component improved by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 73 |
| Q1 2025 | 60 |
| Q2 2025 | 61 |
| Q3 2025 | 61 |
| Q4 2025 | 58 |
| Q1 2026 | 61 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.40% |
| Q3 2024 | 9.74% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.63% |
| Q2 2025 | 9.49% |
| Q3 2025 | 9.37% |
| Q4 2025 | 9.38% |
| Q1 2026 | 9.64% |
| Q2 2026 | 9.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.51% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.81% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.99% |
| Q1 2026 | 1.83% |
| Q2 2026 | 0.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.96% |
| Q3 2024 | 2.06% |
| Q4 2024 | 2.04% |
| Q1 2025 | 2.03% |
| Q2 2025 | 2.05% |
| Q3 2025 | 1.98% |
| Q4 2025 | 1.95% |
| Q1 2026 | 2.13% |
| Q2 2026 | 2.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $190.9M | 9.78% | 0.03% | 2.30% | 90.4% |
| Q1 2026 | 61 | $188.2M | 9.64% | 1.83% | 2.13% | 93.1% |
| Q4 2025 | 58 | $189.3M | 9.38% | 1.99% | 1.95% | 92.0% |
| Q3 2025 | 61 | $190.1M | 9.37% | 1.76% | 1.98% | 90.6% |
| Q2 2025 | 61 | $186.6M | 9.49% | 1.81% | 2.05% | 91.0% |
| Q1 2025 | 60 | $177.6M | 9.63% | 1.87% | 2.03% | 95.7% |
| Q4 2024 | 73 | $174.9M | 9.67% | 0.51% | 2.04% | 100.3% |
| Q3 2024 | 78 | $169.0M | 9.74% | 0.07% | 2.06% | 97.9% |
| Q2 2024 | 76 | $170.9M | 9.40% | 0.19% | 1.96% | 94.3% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Butler, MO | 70 out of 100, Strong | $188.1M | 7.7% | 0.20% | vs |
| Adrian BankBank Adrian, MO | 85 out of 100, Very strong | $195.6M | 12.6% | 0.52% | vs |
| Citizens' Bank of CharlestonBank Charleston, MO | 86 out of 100, Very strong | $185.1M | 20.5% | 0.83% | vs |
| State Bank of Southwest MissouriBank Springfield, MO | 64 out of 100, Moderate | $183.8M | 7.5% | 0.00% | vs |
| F&M Bank and Trust CompanyBank Hannibal, MO | 66 out of 100, Moderate | $182.4M | 10.2% | 0.85% | vs |
| Bank 21Bank Carrollton, MO | 79 out of 100, Strong | $202.1M | 11.5% | 0.05% | vs |
Deposit insurance
Is my money safe at Progressive Ozark Bank?
Yes. Progressive Ozark Bank is an FDIC-insured institution (FDIC certificate #31488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.9% of deposits ($15.1M) 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 9.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.69% (benchmark: 10%).
6 locations
Branches
Progressive Ozark Bank lists 6 offices in 6 cities. Most locations:
- Hartville, MO (1)
- Houston, MO (1)
- Licking, MO (1)
- Mansfield, MO (1)
- Mountain Grove, MO (1)
- Salem, MO (1)
Identity & history
Profile
- Legal name
- Progressive Ozark Bank
- Former names
- Progressive Ozark Bank, Federal Savings Bank; Ozark Rivers Federal Savings and Loan Association; Ozark Rivers Federal Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 31488
- RSSD ID
- 143372
- Primary regulator
- FED
- Holding company
- Ozark Bcorp Inc
- Established
- June 2, 1965
- Headquarters
- 904 W Scenic Rivers Blvd, Salem, MO 65560
- Website
- www.progressiveozarkbank.com
- Employees
- 54
Quick answers
Progressive Ozark Bank: common questions
Is Progressive Ozark Bank FDIC insured?
Yes. Progressive Ozark Bank is an FDIC-insured institution (FDIC certificate #31488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Progressive Ozark Bank's TellerScore?
77 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 Progressive Ozark Bank ever failed?
There is no failure record for FDIC certificate #31488 in the FDIC failed bank list.
How many branches does Progressive Ozark Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Salem
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO | 72 out of 100, Strong | $456.9M | 10.5% | 0.36% | vs |
| Bank of SalemBank Salem, MO | 65 out of 100, Moderate | $147.0M | 9.5% | 0.71% | vs |
| Riverways Federal Credit UnionCredit union Rolla, MO | 57 out of 100, Moderate | $136.7M | 8.4% | 1.14% | vs |
| The Bank of MissouriBank Perryville, MO | 55 out of 100, Moderate | $4.2B | 9.6% | 1.53% | vs |