Community Bank of the Ozarks

Headquarters

Highway 5 And Lake Road F
Sunrise Beach, MO 65079
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Community Bank of the Ozarks is an FDIC insured institution located in Sunrise Beach, MO. It was founded in 1988 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27331
Date Established 1988
Assets $ 42.82 million
Loans $ 26.00 million
Deposits $ 41.88 million
Capital $ 0.73 million
 

For a more detailed analysis of Community Bank of the Ozarks's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 28, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community Bank of the Ozarks

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Community Bank of the Ozarks
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Branches

Community Bank of the Ozarks branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Community Bank of the Ozarks Locations


Financial Details

Community Bank of the Ozarks Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank of the Ozarks. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Community Bank of the Ozarks U.S. Bank Average
726.3% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Community Bank of the Ozarks had $5,064,000 in non-current loans and $11,176,000 in owned real estate. To cover these potential losses it had $726,000 in equity and $1,510,000 in loans loss reserves. That gives it a Texas Ratio of 726.3%.

Return on Equity
Community Bank of the Ozarks U.S. Bank Average
-166.43% 7.80%

Community Bank of the Ozarks has a Return on Equity of -166.43% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Community Bank of the Ozarks U.S. Bank Average
1.7% 12.68%

Community Bank of the Ozarks has a Capitalization of 1.7% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Community Bank of the Ozarks Balance Sheet Analysis

As of September 30, 2012, Community Bank of the Ozarks had assets of $42,816,000, loans of $25,998,000, and deposits of $41,881,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 26.00 million
Loan loss allowance $ 1.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 11.18 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 41.88 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 42.82 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Community Bank of the Ozarks’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, Community Bank of the Ozarks has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.78
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.70
Small Business Loans 46.97
Construction and Development Loans 5.35
Commercial Real Estate 52.75
Commercial and Industrial Loans 9.06
Farm Loans 0.65

Frequently Asked Questions About Community Bank Of The Ozarks

Branches and Savings

Is Community Bank Of The Ozarks FDIC insured?

Yes. It is covered under FDIC Certificate #27331.

Why does Community Bank Of The Ozarks pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Community Bank Of The Ozarks CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Community Bank Of The Ozarks a commercial bank?

Yes

Where are Community Bank Of The Ozarks locations?

See branch locations nearby.

Is Community Bank Of The Ozarks open on Saturdays?

Is Community Bank Of The Ozarks open on Sundays?

What time does Community Bank Of The Ozarks open?

What time does Community Bank Of The Ozarks close?

Are Community Bank Of The Ozarks ATMs Open 24/7?

Do Community Bank Of The Ozarks ATMs accept cash deposits?

Can Community Bank Of The Ozarks customers use other ATMs?

Do Community Bank Of The Ozarks branches have notaries?

Will Community Bank Of The Ozarks notarize my document?

What address for Community Bank Of The Ozarks should I put for incoming ACH transfers?

Will the Community Bank Of The Ozarks branch print checks?

Do Community Bank Of The Ozarks checks expire?

Does Community Bank Of The Ozarks require US citizenship to open account?

Can Community Bank Of The Ozarks close my account?

Does Community Bank Of The Ozarks Report to credit bureaus?

Does Community Bank Of The Ozarks Use Equifax?

What is Community Bank Of The Ozarks's ACH Routing Number?

What is Community Bank Of The Ozarks's SWIFT code?

Products

Does Community Bank Of The Ozarks offer mortgages?

Compare mortgage rates here.

Does Community Bank Of The Ozarks offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Bank Of The Ozarks offer personal loans?

Compare personal loan rates here.

Does Community Bank Of The Ozarks offer student loans?

Will Community Bank Of The Ozarks cash a check?

Will Community Bank Of The Ozarks redeem a savings bond?

Does Community Bank Of The Ozarks cash savings bonds?

Will Community Bank Of The Ozarks cash money orders?

Can Community Bank Of The Ozarks issue a money order?

Does Community Bank Of The Ozarks do currency exchange?

Background on The Bank

Who owns Community Bank Of The Ozarks?

How long has Community Bank Of The Ozarks been around?

Can Community Bank Of The Ozarks transfer to other banks?

Does Community Bank Of The Ozarks have quick pay?

Does Community Bank Of The Ozarks accept rolled coins?

Will Community Bank Of The Ozarks accept loose change?

Where is Community Bank Of The Ozarks headquarters?

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