Ozarks Federal Savings and Loan Association
Farmington, MO
IDRSSD: 1016174
Total Assets
$306.27M
Latest filing
Total Deposits
$221.98M
Latest filing
Net Interest Margin
3.35%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Ozarks Federal Savings and Loan Association
2 E Columbia St
Farmington, MO 63640
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1930FDIC Certificate 41111
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Ozarks Federal Savings and Loan Association (Main) | 2 E Columbia St | Farmington, MO |
| 643 NORTH CREEK DRIVE BRANCH | 643 N Creek Dr | Festus, MO |
| 1 WALTON DRIVE BRANCH | 1 Walton Dr | Potosi, MO |
| 211 S MAIN STREET BRANCH | 211 S Main St | Ironton, MO |
| 217 WEST MAIN BRANCH | 217 W Main St | Fredericktown, MO |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1930 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 63640 |
| State and County Number | 29187 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Farmington, MO |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.ofsl.bank |
| Data Updated | 01/30/2026 |
| CERT | 28277 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $306.27M |
| Total Deposits | $221.98M |
| Total Liabilities | $266.37M |
| Total Equity Capital | $39.91M |
| Net Income | $458.00k |
| Net Loans and Leases | $244.36M |
| Assets Per Employee ($Millions) | $5.1M |
| Bank Premises and Fixed Assets | $5.38M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $221.98M |
Key Performance Ratios
| Return on Assets (ROA) | 0.61% |
| Return on Equity (ROE) | 4.62% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 75.54% |
| Tier 1 Risk-Based Capital Ratio | 18.613% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.03% |
| Earning Assets to total Assets | 90.53% |
Income and Expense
| Total Interest Income | $3.93M |
| Total Noninterest Income | $299.00k |
| Total Interest Expense | $1.65M |
| Total Noninterest Expense | $1.95M |
| Net Interest Income | $2.28M |
| Pre-tax Net Operating Income | $591.00k |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $42.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.07M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.39M |
| Total Liabilities and Capital | $306.27M |
Securities
| Securities | $14.09M |
| Available-for-sale debt securities | $13.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $224.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ozarks Federal Savings and Loan Association?
$306.27M as of the latest filing.
How much are Ozarks Federal Savings and Loan Association's total deposits?
$221.98M in total deposits.
Where is Ozarks Federal Savings and Loan Association located?
Farmington, MO.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1930.
What is the Return on Assets (ROA)?
0.61%.
How much are total loans and leases?
$244.36M (latest filing).
What is the total interest income (latest filing)?
$3.93M.