🏦Bank Scorer

THE COMMERCIAL BANK OF OZARK

OZARK, AL · Supervised by FDIC

Est. 1959FDIC #17,975RSSD: FDIC-17975
Part ofCOMMERCIAL BANCSHARES OZARK→ View all charters
Satisfactory Same

Current rating · Exam: December 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.42%

Institution Profile

FDIC BankFind

Address

208 S Merrick Ave, OZARK, AL

County

Dale County

Established

April 2, 1959

Total Assets

$115M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$115M

Total Deposits

$109M

Net Loans

$52M

Net Income

$121K

ROA

0.42%

ROE

9.25%

Risk-Based Capital

19.65%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$108M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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