The Commercial Bank Of Ozark
Ozark, AL
IDRSSD: 522034
Total Assets
$117.90M
Latest filing
Total Deposits
$110.49M
Latest filing
Net Interest Margin
3.30%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Commercial Bank Of Ozark
208 S Merrick Ave
Ozark, AL 36360
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/02/1959FDIC Certificate 11906
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Commercial Bank Of Ozark (Main) | 208 S Merrick Ave | Ozark, AL |
| SOUTH DALE BRANCH | Phillip J. Hamm Dr. | Midland City, AL |
Showing 1 of 1
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/02/1959 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36360 |
| State and County Number | 01045 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Ozark, AL |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/15/2022 |
| Date of Deposit Insurance | 04/02/1959 |
| Primary Insurance Agency | DIF |
| Website | www.cbozark.com |
| Data Updated | 01/30/2026 |
| CERT | 17975 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $117.90M |
| Total Deposits | $110.49M |
| Total Liabilities | $112.37M |
| Total Equity Capital | $5.53M |
| Net Income | $236.00k |
| Net Loans and Leases | $51.91M |
| Assets Per Employee ($Millions) | $5.9M |
| Bank Premises and Fixed Assets | $1.32M |
| Cash and Balances due from Depository Institutions | $12.98M |
| Deposits Held in Domestic Offices | $110.49M |
Key Performance Ratios
| Return on Assets (ROA) | 0.81% |
| Return on Equity (ROE) | 18.56% |
| Net Interest Margin | 3.3% |
| Efficiency Ratio | 77.9% |
| Tier 1 Risk-Based Capital Ratio | 18.803% |
| 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 | 4.693% |
| Earning Assets to total Assets | 92.78% |
Income and Expense
| Total Interest Income | $1.19M |
| Total Noninterest Income | $249.00k |
| Total Interest Expense | $306.00k |
| Total Noninterest Expense | $885.00k |
| Net Interest Income | $887.00k |
| Pre-tax Net Operating Income | $236.00k |
| Provision for Credit Losses | $15.00k |
| 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 | $500.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.37M |
| Total Liabilities and Capital | $117.90M |
Securities
| Securities | $45.84M |
| Available-for-sale debt securities | $45.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Commercial Bank Of Ozark?
$117.90M as of the latest filing.
How much are The Commercial Bank Of Ozark's total deposits?
$110.49M in total deposits.
Where is The Commercial Bank Of Ozark located?
Ozark, AL.
What is the Net Interest Margin?
3.30%.
How many domestic offices does it operate?
2.
When was it established?
04/02/1959.
What is the Return on Assets (ROA)?
0.81%.
How much are total loans and leases?
$51.91M (latest filing).
What is the total interest income (latest filing)?
$1.19M.