The Commercial Bank Of Ozark is a state-chartered bank headquartered in Ozark, Alabama, in business for about 67 years. At the end of Q2 2026 it reported $115.2M in total assets and $107.6M in deposits, with 2 offices.
The Commercial Bank Of Ozark has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 76th. Funding & liquidity contributes the most (98/100, 50% loans-to-deposits, 17% uninsured); earnings contributes the least (40/100, 0.51%).
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 3 points (56 → 59), mostly because the problem-loan coverage component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 54 |
| Q4 2024 | 53 |
| Q1 2025 | 58 |
| Q2 2025 | 56 |
| Q3 2025 | 57 |
| Q4 2025 | 56 |
| Q1 2026 | 56 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.15% |
| Q3 2024 | 8.31% |
| Q4 2024 | 8.71% |
| Q1 2025 | 8.85% |
| Q2 2025 | 8.87% |
| Q3 2025 | 8.78% |
| Q4 2025 | 8.88% |
| Q1 2026 | 9.00% |
| Q2 2026 | 9.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.35% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.60% |
| Q1 2025 | 1.08% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $115.2M | 9.09% | 1.14% | 0.51% | 50.5% |
| Q1 2026 | 56 | $115.2M | 9.00% | 1.25% | 0.42% | 48.0% |
| Q4 2025 | 56 | $117.9M | 8.88% | 1.36% | 0.62% | 47.0% |
| Q3 2025 | 57 | $114.0M | 8.78% | 1.25% | 0.55% | 47.5% |
| Q2 2025 | 56 | $113.7M | 8.87% | 1.35% | 0.67% | 47.0% |
| Q1 2025 | 58 | $112.3M | 8.85% | 1.44% | 1.08% | 47.9% |
| Q4 2024 | 53 | $115.2M | 8.71% | 1.44% | 0.60% | 48.1% |
| Q3 2024 | 54 | $110.6M | 8.31% | 1.07% | 0.23% | 51.6% |
| Q2 2024 | 51 | $112.7M | 8.15% | 1.11% | 0.10% | 52.6% |
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank of GreensboroBank Greensboro, AL | 59 out of 100, Moderate | $115.5M | 8.9% | 1.29% | vs |
| Local BankBank Tuscaloosa, AL | 58 out of 100, Moderate | $111.3M | 14.3% | 1.42% | vs |
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
| Brantley Bank and Trust CompanyBank Brantley, AL | 48 out of 100, Below average | $126.9M | 10.1% | 2.55% | vs |
| The Citizens BankBank Greensboro, AL | 67 out of 100, Moderate | $129.2M | 12.2% | 1.87% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
Deposit insurance
Is my money safe at The Commercial Bank Of Ozark?
Yes. The Commercial Bank Of Ozark is an FDIC-insured institution (FDIC certificate #17975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($18.2M) 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 9.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.28% (benchmark: 10%).
2 locations
Branches
The Commercial Bank Of Ozark lists 2 offices in 2 cities. Most locations:
- Midland City, AL (1)
- Ozark, AL (1)
Identity & history
Profile
- Legal name
- The Commercial Bank Of Ozark
- Type
- State-chartered bank
- FDIC certificate #
- 17975
- RSSD ID
- 522034
- Primary regulator
- FDIC
- Holding company
- Commercial Bancshares Ozark
- Established
- April 2, 1959
- Headquarters
- 208 S Merrick Ave, Ozark, AL 36360
- Website
- www.cbozark.com
- Employees
- 22
Quick answers
The Commercial Bank Of Ozark: common questions
Is The Commercial Bank Of Ozark FDIC insured?
Yes. The Commercial Bank Of Ozark is an FDIC-insured institution (FDIC certificate #17975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Commercial Bank Of Ozark's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Commercial Bank Of Ozark ever failed?
There is no failure record for FDIC certificate #17975 in the FDIC failed bank list.
How many branches does The Commercial Bank Of Ozark have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ozark
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |