Ozarks Fs&La (FDIC #28277): Bank Stress & Real-Estate Credit Exposure
Ozarks Fs&La (FDIC Cert #28277): bank stress 56/100, moderate, STABLE over 7 days.
Ozarks Fs&La (#28277) lends in 5 counties across 1 state; Ozarks Fs&La (#28277) reaches 59 ZIP codes: Missouri 5 counties, 59 ZIPs.
Ozarks Fs&La (#28277) largest markets: Jefferson County, MO (25 branches, 25 ZIPs) (#28277), Iron County, MO (16 branches, 16 ZIPs) (#28277), Washington County, MO (16 branches, 16 ZIPs) (#28277), St. Francois County, MO (15 branches, 15 ZIPs) (#28277), Madison County, MO (7 branches, 7 ZIPs) (#28277).
Ozarks Fs&La (#28277) reports $277.2 million in total assets; Ozarks Fs&La (#28277) equity $41.2 million (14.8% of Ozarks Fs&La (#28277) assets); Ozarks Fs&La (#28277) domestic deposits $227.7 million; Ozarks Fs&La (#28277) net income $1.2 million; Ozarks Fs&La (#28277) return on assets 0.87%; Ozarks Fs&La (#28277) return on equity 6.14%; Ozarks Fs&La (#28277) net interest income $5.0 million; Ozarks Fs&La (#28277) call report June 30, 2026.
Ozarks Fs&La (#28277) noncurrent real-estate loans: none reported; Ozarks Fs&La (#28277) net charge-offs on real estate 0.95%.
Ozarks Fs&La (#28277) net interest margin 3.84% against an eight-quarter Ozarks Fs&La (#28277) average of 3.12% (Ozarks Fs&La (#28277) compression -0.72 points); Ozarks Fs&La (#28277) rate-exposure score 40/100, Ozarks Fs&La (#28277) fixed-rate trap 40/100; Ozarks Fs&La (#28277) risk type credit driven; Ozarks Fs&La (#28277) rate regime rates elevated, Ozarks Fs&La (#28277) snapshot October 20, 2026.
Ozarks Fs&La (#28277) stress score moved from 54.6 on June 22, 2026 to 56.1 on October 20, 2026; Ozarks Fs&La (#28277) ranged 54.6 to 56.1 over 117 snapshots.
Ozarks Fs&La (#28277) alerts: 5 counties; top Ozarks Fs&La (#28277) alert scores: Farmington County, MO 19 (low); Festus County, MO 19 (low); Fredericktown County, MO 19 (low); Ironton County, MO 19 (low); Potosi County, MO 19 (low).