Total Assets
$278M
Total balance-sheet footings
FDIC Cert #8296 · Gainesville, Missouri · Est. 1894
Century Bank of the Ozarks - FDIC Bank Health Profile
A community-scale look at Century Bank of the Ozarks's own numbers, pulled straight from its quarterly FDIC Call Report.
- $278M
- Total assets
- B
- Health grade · Good
- 1.96%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
Century Bank of the Ozarks earns a PlainBankData health grade of B (78/100), with 9.13% Tier 1 capital, profitable at 1.96% ROA, efficient (50% cost ratio).
- #2,601
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 9.13%
- Tier 1 ratio - below the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Century Bank of the Ozarks's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Century Bank of the Ozarks's composite health score
Tier 1 Capital Ratio (9.13%) 18/40
Return on Assets (ROA) (1.96%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (49.68%) 15/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$247M
Customer-funded liabilities
Net Loans
$237M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Century Bank of the Ozarks ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Century Bank of the Ozarks's score of 78/100 falls in the highlighted band.
Century Bank of the Ozarks's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Century Bank of the Ozarks's $278M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.13% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.13%
Texas Ratio
0.00%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.96%
Return on Equity (ROE)
21.03%
Efficiency Ratio
49.68%
What the numbers say about Century Bank of the Ozarks
Century Bank of the Ozarks is an FDIC-insured institution (Certificate #8296) headquartered in Gainesville, Missouri, established in 1894. It holds $278M in total assets - 2,601st of 4,313 FDIC-insured banks, $247M in customer deposits, and $237M in net loans. On safety, its Tier 1 capital ratio of 9.13% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, Century Bank of the Ozarks ranks 106th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$3M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Century Bank of the Ozarks reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Century Bank of the Ozarks (FDIC Cert #8296) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Century Bank of the Ozarks's health grade?▼
Century Bank of the Ozarks receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Century Bank of the Ozarks?▼
Century Bank of the Ozarks holds $278M in total assets and $247M in deposits, ranking 2,601st of 4,313 FDIC-insured banks by asset size. It is headquartered in Gainesville, Missouri.
Is my money safe at Century Bank of the Ozarks?▼
Yes, deposits at Century Bank of the Ozarks (Certificate #8296) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Century Bank of the Ozarks's Tier 1 Capital Ratio?▼
Century Bank of the Ozarks has a Tier 1 Capital Ratio of 9.13%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Century Bank of the Ozarks?▼
Century Bank of the Ozarks has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Century Bank of the Ozarks?▼
Century Bank of the Ozarks has an Efficiency Ratio of 49.68%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Century Bank of the Ozarks's profile as a depositor or analyst.
- Century Bank of the Ozarks's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Century Bank of the Ozarks against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.