BlastPoint's Banking Scorecard
Century Bank of the Ozarks
Micro
Specialty: Agricultural
MO
FDIC cert 8296
Designations: ✓ Community bank
Gainesville, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Century Bank of the Ozarks demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.62% above tier
- + Efficiency Ratio 18.05% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest Income / Assets 0.46% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$278.2M
+4.9% YoY
+0.4% QoQ
|
+$60.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$237.3M
+9.1% YoY
+4.2% QoQ
|
+$98.1M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$247.4M
+4.9% YoY
+0.7% QoQ
|
+$63.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.96%
+14.8% YoY
-1.0% QoQ
|
+0.88% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
5.47%
+5.5% YoY
+1.2% QoQ
|
+1.62% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
49.68%
-11.1% YoY
-5.1% QoQ
|
-18.05% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
95.91%
+4.0% YoY
+3.5% QoQ
|
+21.39% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.50%
+3.4% YoY
-0.5% QoQ
|
+6.10% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.54%
-55.8% YoY
-55.1% QoQ
|
+0.09% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.02%
+90.5% YoY
+94.4% QoQ
|
+0.46% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.47%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.68%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.02%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
95
95th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.85%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
90
90th pctile
Efficiency Ratio
Current: 49.68% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.96% · Tier avg: 1.08%
82
82th pctile
Total Loans
Current: $237.3M · Tier avg: $139.2M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.50% · Tier avg: 22.39%
70
70th pctile
Total Deposits
Current: $247.4M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $278.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.91% · Tier avg: 74.53%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.91% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Total Assets
Current: $278.2M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $247.4M · Tier avg: $183.7M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.50% · Tier avg: 22.39%
82
82th pctile
Total Loans
Current: $237.3M · Tier avg: $139.2M
90
90th pctile
Return on Assets
Current: 1.96% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 49.68% · Tier avg: 67.73%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
95
95th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%