Security Bank of the Ozarks
Eminence, Missouri · FDIC Cert #18033
Security Bank of the Ozarks is an FDIC-insured bank (Certificate #18033) with $148M in total assets and $139M in total deposits as of the Q2 2024 Call Report. Headquartered in Eminence, Missouri, the bank maintains a Tier 1 capital ratio of 10.10% (Well-Capitalized) and a nonperforming loan ratio of 2.90%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Security Bank of the Ozarks (FDIC cert 18033) is a community bank — $148M in total assets, $139M in deposits, serving the Eminence, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.10% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.90% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 30.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.51% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Security Bank of the Ozarks carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Security Bank of the Ozarks
- Total Assets
- $148M
- Total Deposits
- $139M
- Tier 1 Capital Ratio
- 10.10%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.90%
- Liquidity Ratio
- 30.72%
- Return on Assets
- 1.51%
- Headquarters
- Eminence, Missouri
- FDIC Certificate
- #18033
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Security Bank of the Ozarks holds a Tier 1 capital ratio of 10.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Security Bank of the Ozarks has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Security Bank of the Ozarks shows strong financial health indicators. With $148M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Security Bank of the Ozarks Compares
Security Bank of the Ozarks’s Health Score of 67 is 0 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 10.10% Tier 1 capital ratio is 3.9 points below the US banking industry average near 14%. The 2.90% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.51% is in line with or above the national ROA benchmark of ~1.1%. Among 1352 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Security Bank of the Ozarks is 3 points below the portfolio average of 70.
Frequently Asked Questions
Security Bank of the Ozarks has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.10%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Security Bank of the Ozarks's Tier 1 capital ratio of 10.10% and nonperforming loan ratio of 2.90% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Security Bank of the Ozarks is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18033). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Security Bank of the Ozarks holds $148M in total assets and $139M in total deposits. It is headquartered in Eminence, Missouri (FDIC Certificate #18033).
Security Bank of the Ozarks has a Tier 1 capital ratio of 10.10%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.90%, and the return on assets is 1.51%.
Yes. Security Bank of the Ozarks is FDIC-insured (Certificate #18033). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Security Bank of the Ozarks's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.