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BDI
OF

Ozarks Federal Savings and Loan Association

Farmington, MissouriFDIC Cert #28277

OCCEstablished 19305 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.91%
+162.6%y/y
Peer standing77th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROA
ROE
6.65%
+150.7%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROE
Pretax ROA
1.19%
+185.0%y/y
Peer standing75th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICPTAXNETINC + ASSET
NIM
3.72%
+24.0%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNIM + NIMY
Earning yield
6.15%
+9.0%y/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICINTINCY
IB deposit cost
3.01%
−12.8%y/y
Peer standing23rd percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
77.55%
−5.4%y/y
Peer standing51st percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.14%
+28.0%y/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + ASSET
Fee share
17.46%
+77.9%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONII + NIM
Assets YoY
−3.90%
−135.6%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICASSET
Deposits YoY
+6.46%
+31.5%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICDEP
Loans YoY
−5.92%
−152.9%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
77th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.08%Median 0.62%90th 1.27%Observations 152
ROE
FDICNETINC + ROE
66th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 0.81%Median 5.10%90th 11.70%Observations 152
NIM
FDICNIM + NIMY
74th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.32%Median 3.27%90th 4.17%Observations 152
Efficiency
FDICNONIX + NIM + NONII + EEFFR
51st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 57.00%Median 78.14%90th 96.23%Observations 152
Deposits YoY
FDICDEP
72nd percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.99%Median +3.06%90th +10.97%Observations 152
Loans YoY
FDICLNLSNET
4th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −2.45%Median +4.37%90th +13.07%Observations 151
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
78th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.03%Median 0.40%90th 1.81%Observations 151
Leverage
FDICRBC1AAJ
68th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.69%Median 11.69%90th 19.02%Observations 152

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
23rd percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.62%Median 2.50%90th 3.50%Observations 151
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
24th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 19%Median 126%90th 290%Observations 98

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.