C
The Commercial Bank of Ozark
OzarkAL
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Commercial Bank of Ozark
Ozark, AL
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Rating C
Asset Quality Index 5.80
Capitalization Index 6.90
Liquidity Index 4.10
Profitability Index 2.90
Stability Index 2.60
Company Info The Commercial Bank of Ozark
Ozark, AL
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FDIC Number 17975
Phone Number (334) 774-4931
Website www.cbozark.com
Asset Quality The Commercial Bank of Ozark
Ozark, AL
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1-Year Asset Growth 2.33%
5-Year Asset Growth 0.09%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 4.00%
Non-Performing Loans to Loans 0.41%
Balance Sheet The Commercial Bank of Ozark
Ozark, AL
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Total Assets 117.90M
Total Deposits 110.49M
Capital and Reserves The Commercial Bank of Ozark
Ozark, AL
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Capital 5.53M
Leverage Ratio 8.88
Loan Loss Reserves to Loans 1.08%
Risk-Based Capital Ratio 19.81
Liquidity The Commercial Bank of Ozark
Ozark, AL
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Hot Money Ratio 18.59%
Liquidity Ratio 32.55%
Profitability The Commercial Bank of Ozark
Ozark, AL
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5-Year Return on Average Assets 0.56%
Net Income 709.00K
Net Interest Spread 3.13%
Operating Profit to Average Assets 0.59%
Overhead Efficiency Ratio 82.27%
Return on Assets 0.59%
Return on Equity 17.86%