BlastPoint's Banking Scorecard
Ozarks Federal Savings and Loan Association
Micro
Specialty: Mortgage
MO
FDIC cert 28277
Designations: ✓ Community bank ✓ Mutual
Farmington, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Ozarks Federal Savings and Loan Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 35.56% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$306.3M
+6.1% YoY
+3.6% QoQ
|
+$88.8M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$244.4M
+5.3% YoY
+1.5% QoQ
|
+$105.2M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$222.0M
+6.7% YoY
+0.7% QoQ
|
+$38.3M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.52%
+6.1% QoQ
|
-0.57% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.21%
+27.5% YoY
+1.3% QoQ
|
-0.65% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
77.36%
-20.7% YoY
-0.9% QoQ
|
+9.63% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
1.06%
+8.0% YoY
+25.3% QoQ
|
+0.42% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
110.08%
-1.3% YoY
+0.8% QoQ
|
+35.56% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.25%
+3.0% YoY
-12.8% QoQ
|
-16.14% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.85%
+7.2% YoY
+22.7% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
18.61%
-1.9% YoY
-0.6% QoQ
|
+9.76% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.34%
+5.9% YoY
+35.6% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
110.08%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.25%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.08% · Tier avg: 74.53%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.61% · Tier avg: 8.85%
83
83th pctile
Total Loans
Current: $244.4M · Tier avg: $139.2M
73
73th pctile
Total Assets
Current: $306.3M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $222.0M · Tier avg: $183.7M
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
24
24th pctile
Efficiency Ratio
Current: 77.36% · Tier avg: 67.73%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
22
22th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.25% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.25% · Tier avg: 22.39%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
22
22th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
24
24th pctile
Efficiency Ratio
Current: 77.36% · Tier avg: 67.73%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
65
65th pctile
Total Deposits
Current: $222.0M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $306.3M · Tier avg: $217.5M
83
83th pctile
Total Loans
Current: $244.4M · Tier avg: $139.2M
84
84th pctile
Tier 1 Capital Ratio
Current: 18.61% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.08% · Tier avg: 74.53%