FDIC Cert #17975 · Ozark, Alabama · Est. 1959

The Commercial Bank Of Ozark - FDIC Bank Health Profile

A community-scale look at The Commercial Bank Of Ozark's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$118M
Total assets
B
Health grade · Good
0.62%
Return on assets
18.8%
Tier 1 capital

Data updated July 2026

The verdict

The Commercial Bank Of Ozark earns a PlainBankData health grade of B (70/100), with well-capitalized at 18.80% Tier 1, 0.62% ROA, 82% efficiency ratio.

#3,597
largest of 4,313 FDIC banks by assets
17th
percentile by asset size, nationally
18.80%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 17975 · AL B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3066/4307
  • PHOTO-FINISH Mountain Valley Bank · CO
  • TIER1-WELL 18.8% Tier 1
  • TEXAS-CLEAN 11.7% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Mountain Valley Bank, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Commercial Bank Of Ozark

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Belle Glade · FL · n…70/100Citizens State Bank · NE · n…70/100Mountain Valley Bank · CO · …70/100The Citizens Bank · AR · near70/100The Commercial Bank… · AL · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Commercial Bank Of Ozark · July 2026

What The Commercial Bank Of Ozark's Call Report plate shows

The Commercial Bank Of Ozark (FDIC Cert #17975) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,066 of 4,307. Tier 1 capital prints at 18.80%, clearing the 10% well-capitalized line. The Texas Ratio is 11.67%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $118M, 3,597th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mountain Valley Bank (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Commercial Bank Of Ozark

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

The Commercial Bank Of Ozark's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Commercial Bank Of Ozark remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How The Commercial Bank Of Ozark's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
The Commercial Bank Of Ozark's composite health score
Tier 1 Capital Ratio (18.80%) 40/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (11.67%) 16/20
Efficiency Ratio (82.27%) 0/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$118M

Total balance-sheet footings

Total Deposits

$110M

Customer-funded liabilities

Net Loans

$52M

Outstanding loan book

Net Income

$709K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.4% 18.8% 20.2%
Basel III capital ratios - The Commercial Bank Of Ozark

Where The Commercial Bank Of Ozark ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Commercial Bank Of Ozark's score of 70/100 falls in the highlighted band.

The Commercial Bank Of Ozark: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Commercial Bank Of Ozark 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Commercial Bank Of Ozark'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). The Commercial Bank Of Ozark's $118M falls in the highlighted band.

Safety ratios for The Commercial Bank Of Ozark

Tier 1 capital ratio
Well-capitalized 10%

18.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.80%
Texas Ratio
11.67%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: The Commercial Bank Of Ozark

Return on Assets (ROA)
20th percentile nationally
0.62%
Return on Equity (ROE)
17.62%
Efficiency Ratio
82.27%

What these mean →

Income & expense at The Commercial Bank Of Ozark

$5M
Interest Income
$911K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Commercial Bank Of Ozark reports a Texas Ratio of 11.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Commercial Bank Of Ozark on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($118M here), outside Alabama so the neighborhood is not state containment.

Spring Valley Bank $118M · OH TPNB Bank $118M · MO Bedford Loan & Deposit Bank $118M · KY Heritage Bank Minnesota $118M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Commercial Bank Of Ozark (FDIC Cert #17975) - 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.

The Commercial Bank Of Ozark Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%