Ozark Bank

What Ozark Bank does

Ozark Bank is a privately held, FDIC-insured Missouri-chartered community bank founded in 1906, headquartered in Ozark, Missouri, and operating four branches across Ozark and Nixa in Christian County. It serves individual consumers, small-to-medium businesses, agricultural operators, and real estate investors in Southwest Missouri with a full-service product suite spanning deposit products (checking, savings, money market, CDs, IRAs, HSAs), consumer lending (mortgages, construction, home equity, auto), commercial lending (term loans, lines of credit, commercial real estate, SBA 7A/504, MOBUCK$ linked deposits), and agricultural lending (real estate, operating lines, livestock and equipment). The bank differentiates on local decision-making, with loan decisions frequently made within two business days by lenders who hold 200+ combined years of banking experience.

The technology stack is conventional community-banking infrastructure: a web-based online banking platform, native iOS and Android mobile apps with mobile deposit and biometric login, SSL encryption and two-factor authentication (supporting Authy and Microsoft Authenticator), 24/7 telephone banking, and Teller On Demand interactive teller machines that extend service hours via live video tellers. The bank integrates third-party services for debit card management (Brella/Shazam), credit card issuance (Visa), identity protection (IDProtect underwritten by AIG), and treasury/cash management (ACH origination, remote deposit capture, bill pay with GiftPay and P2P). Loan applications and account opening are routed through third-party platforms (MyMortgage-Online.com and loanspq.com).

The revenue model is a traditional spread-plus-fee community bank construct. Net interest income on the $266.5M loan portfolio is the primary driver, supplemented by non-interest income from monthly service charges on checking and money market accounts (typically $2.95-$15/month, often waivable with balance thresholds), Visa interchange on personal and business credit cards, loan origination and servicing fees, and cash management fees on commercial accounts. The bank employs 101-250 people and markets primarily through community involvement, a local branch presence, social media (Facebook, Instagram, LinkedIn), and financial education content. As of 12/31/2025, total assets stood at $346.6M and stockholder's equity at $28.3M, though deposits contracted 22% year-over-year, signaling funding pressure despite 5.4% loan growth.

Name

Ozark Bank

Legal name

Ozark Bank

Website

https://ozarkbank.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

101–250 employees

Short description

Ozark Bank is a 118-year-old, privately held community bank in Christian County, Missouri, offering deposit, consumer, commercial, and agricultural lending products through four branches in Ozark and Nixa to local consumers, small businesses, and farmers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking
• Personal checking accounts
• Commercial lending services
• Agricultural loans
• Mortgage and home equity

Headquarters

HQ city

Ozark

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain, Others

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans including mortgage loans, commercial real estate loans, consumer loans, agricultural loans, and business loans. Interest is calculated on loan balances and represents the main income source for the bank.
2. Deposit Account Fees: Monthly service charges on checking accounts (E-Secure $5.95, I-Secure $7.95), money market account fees ($10 if balance requirements not met), business checking analysis fees, and various transaction fees.
3. Loan Origination and Servicing Fees: Fees associated with originating and servicing various loan products including mortgage loans, construction loans, SBA loans, and commercial loans.
4. Credit Card Transaction Fees: Revenue from Visa credit card transactions including interchange fees on purchases made with personal and business credit cards.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Ozark Bank is a community bank offering personal and business deposit accounts, consumer and commercial loans, mortgages, agricultural financing, credit cards, and digital banking services to the Ozark and Nixa, Missouri market. The bank operates four branches plus Teller On Demand video teller machines, online and mobile banking, and remote deposit capture for commercial clients, with revenue primarily from net interest income on its $266M loan portfolio.

Product overview

Ozark Bank is a community bank offering a comprehensive suite of banking products and services across personal, business, and agricultural segments. Personal banking includes three checking account options (E-Secure with IDProtect identity theft protection, I-Secure interest-bearing checking, and Show Me high-yield rewards checking), savings accounts, Performance Money Market accounts, Certificates of Deposit (CD), Individual Retirement Accounts (IRA), and Health Savings Accounts (HSA). Credit products include Visa Signature personal credit cards and consumer loans for vehicles. Home lending encompasses mortgage loans (conventional, FHA, VA, USDA, jumbo), construction loans, and home equity loans/HELOC. Business banking features three checking tiers (Totally Free Business Checking, Business Interest Checking, and Commercial Checking), business savings, money market accounts, and business CDs. Business lending includes term loans, lines of credit, commercial real estate loans, multi-family/apartment complex loans, commercial construction loans, SBA loans (504 and 7A programs), and MOBUCK$ linked deposit loans for Missouri businesses. Agricultural services include livestock/equipment loans, operating lines of credit, and agriculture real estate loans. The bank supports its deposit and loan products with digital banking channels including online banking, mobile banking, bill pay, ACH origination, remote deposit capture, and telephone banking. Additional services include Teller On Demand interactive teller machines, IDProtect identity theft protection, cell phone protection, Brella debit card management, and financial calculators.

Differentiator

Problem solved

Functional benefit

Products and services

• E-Secure Checking Account Personal checking account with IDProtect identity theft protection and cell phone protection. Requires $40 to open, no minimum balance, $5.95 monthly service charge reduced to $2.95 with 15+ debit card swipes per statement cycle.
• I-Secure Checking Account Interest-bearing personal checking account with IDProtect identity theft protection and cell phone protection. Offers tiered interest rates with higher rates for balances of $1,500 or more. $7.95 monthly service charge waived with $5,000 minimum daily balance or $7,500 average daily balance.
• Show Me Checking Account High-interest rewards checking account earning 3.00% APY on balances up to $100,000 (balances above $100,000 earn 0.10% APY). No monthly service charge. Requires one ACH direct deposit and 12+ debit card transactions per statement cycle. $40 opening deposit.
• Personal Savings Account Savings account earning competitive interest compounded and paid quarterly. Offers 6 free withdrawals per quarter, free online and mobile banking. $100 minimum deposit to open ($25 for minors). $6.00 quarterly service charge if balance falls below $100.
• Performance Money Market Account Interest-bearing account combining features of checking and savings with tiered interest rates for balances above $2,000. Offers unlimited transactions and check-writing capabilities. $2,000 minimum deposit to open. $10 monthly service charge if balance requirements not met.
• Certificate of Deposit (CD) Fixed-rate savings product with terms ranging from 90 days to 60 months. Guaranteed return with $1,000 minimum deposit. Early withdrawal penalties apply. Competitive fixed rates available by contacting branch.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings offered in Traditional and Roth IRA options with terms from 12 to 60 months. No monthly service or annual maintenance charges. $1,000 minimum deposit to open.
• Health Savings Account (HSA) Tax-exempt savings account for HSA-qualified medical expenses, available to individuals enrolled in high-deductible health plans. No set-up cost or annual charges. $100 minimum deposit to open.
• Visa Signature Credit Card Personal credit card with Visa Zero Liability Policy and a rewards program earning points from gas stations, grocery stores, and fast food establishments. Points are redeemable for credits, gift cards, and travel perks.
• Visa Business Credit Card Business credit card offering secure transactions, bill payment, expense tracking, and rewards earning for corporate and small business needs. Includes the Visa Zero Liability Policy.
• Consumer Auto & Vehicle Loans Financing for cars, boats, motorcycles, and RVs with competitive local rates. Offers refinancing options for existing loans with quick local decision-making.
• Mortgage Loans Home loans including conventional, FHA, VA, USDA, and jumbo options for purchases and refinances. Fixed and adjustable rate options available with local decision-making.
• Construction Loans Residential home construction loans financing materials, labor, and related costs. Funds disbursed in stages as construction progresses. Interest-only payments during the construction phase.
• Home Equity Loans and HELOC Home equity financing for improvements, remodels, or additions with approval based on home equity. HELOC provides revolving credit access with funds available via check, online, or phone transfers.
• Livestock and Agriculture Equipment Loans Financing for seed, fertilizer, livestock, and agricultural equipment. Offers up to 75% financing of value/cost with quick local decisions often within two business days.
• Agriculture Operating Line of Credit Revolving line of credit for short-term cash flow needs in agriculture-based businesses. Interest-only payments on funds drawn, with flexible access up to a predetermined credit limit.
• Agriculture Real Estate Loans Farmland and agriculture real estate financing for improved property including farmland, ranchland, or timberland committed to ongoing agricultural production.
• Business Term Loans Term loans for startups and established businesses with quick local decisions often within two business days. Competitive rates with flexible financing and various payment options.
• Business Line of Credit Revolving credit line for small business funding and equipment financing. Interest-only payments on balance drawn, with personalized service and quick local decisions.
• Commercial Real Estate Loans Financing for commercial properties including office spaces, retail locations, industrial buildings, and multi-family residential units with flexible terms tailored to client needs.
• Multi-Family and Apartment Complex Loans Loans for financing acquisition, construction, or renovation of properties with multiple residential units including apartment buildings, duplexes, townhomes, and condominiums.
• Commercial Construction Loans Construction, renovation, and equipment financing for commercial projects with competitive rates, personalized service, and quick local decisions within two business days.
• SBA Loans Small Business Administration-backed loans including SBA 504 and 7A programs for start-ups, acquisitions, working capital, equipment, and real estate with lower down payments and longer terms.
• MOBUCK$ Linked Deposit Loans Missouri state program providing low-interest loans through Ozark Bank for businesses, agriculture, and local government to create or retain jobs and strengthen communities.
• Totally Free Business Checking Business checking with no minimum balance, no monthly service charge, and 2,500 free monthly transaction items ($0.25 per item over). $40 deposit to open. Includes free online banking and bill pay.
• Business Interest Checking Interest-bearing business checking with higher interest rates for balances of $1,500 or more. $6 monthly service charge (waived with $1,500 minimum balance). 1,000 free monthly transaction items.
• Commercial Checking Analysis-based commercial checking with earnings allowance to offset activity and maintenance charges. $15 monthly service charge. $0.10 per transaction item. Based on 91-day T-Bill rate indexing.
• Business Savings Business savings with competitive interest compounded and paid quarterly. 6 free withdrawals per quarter with $1.00 fee per withdrawal thereafter.
• Business Money Market Account Performance Money Market for businesses with tiered interest rates for balances above $2,000. Unlimited transactions with free online banking and eStatements.
• Business Certificate of Deposit Business CD with guaranteed fixed rate for terms from 90 days to 60 months. $1,000 minimum deposit with interest compounded semiannually or at maturity.
• ACH Origination and Cash Management Online real-time cash management for commercial banking including payroll, vendor payments, wire transfers, ACH transfers, and payment collections with improved cash forecasting.
• Remote Deposit Capture Secure web-based solution for businesses to electronically deposit checks from their office using a scanner. Includes email alerts, deposit details, daily summaries, and reports.
• Teller On Demand (TOD) Interactive Teller Machine (ITM) system providing live teller assistance through video connection for deposits, withdrawals, payments, transfers, and check cashing at extended hours (7am-7pm weekdays, 8am-noon Saturdays) beyond branch locations.
• Brella Debit Card Management Mobile app for debit card security providing real-time fraud alerts, threshold-based notifications, card block/unblock functionality, balance information, and ATM locator. Powered by Shazam's Brella platform.
• IDProtect Identity Theft Protection Identity theft protection service offering daily credit monitoring, alerts for key changes to credit reports (Experian, Equifax, TransUnion), up to $10,000 in identity fraud expense reimbursement coverage (underwritten by AIG), and fully managed identity theft resolution services.

Quantifiable outcome

• Loan decisions often made within 2 business days
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• VisacoreTechnology or IntegrationOzark Bank issues Visa-branded credit cards (both personal Visa Signature and business Visa cards) providing customers with credit card services, rewards programs, and Visa's Zero Liability Policy protection. The partnership enables the bank to offer credit card products under the Visa brand.
• Brella (Shazam)coreTechnology or IntegrationBrella, powered by Shazam, provides debit card fraud alerts and management services. Allows customers to set transaction thresholds, receive real-time alerts, and instantly block/unblock debit cards through the Brella mobile app.
• ShazamcoreTechnology or IntegrationShazam operates the ATM network that Ozark Bank participates in, providing customers with Shazam Privileged Status ATMs for fee-free or reduced-fee transactions nationwide.

Scale indicators8 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Commerce Bank: Major Missouri-headquartered super-community bank with statewide branch presence and full suite of consumer, commercial, and wealth products. Broad incumbent that overlaps with Ozark Bank's commercial and retail offerings but at much larger scale and broader geography.

Direct peers

• Hawthorn Bank: Missouri-based community bank serving individuals and small businesses across the state. Comparable to Ozark Bank in community-bank operating model, deposit and loan mix, and Midwestern commercial banking focus.
• OakStar Bank: Springfield, Missouri-based community bank serving individuals and businesses in Southwest Missouri. Directly comparable to Ozark Bank in geography, customer segment, and community-bank business model, with similar lending and deposit product suites.
• Guaranty Federal Bancshares: Springfield, Missouri-based bank holding company with community banking operations serving Southwest Missouri. Directly comparable peer with similar size, customer segments, and community-bank franchise orientation.
• BTC Bank: Missouri community bank with branch network across the state serving retail and commercial customers. Direct comparable on community-bank model, agricultural lending, and small-business banking focus.
• Empire Bank: Southwest Missouri community bank headquartered in Springfield with branch presence across the region. Comparable to Ozark Bank in serving retail, commercial, and agricultural customers in the same geography with similar deposit and loan products.
• Legends Bank: Mid-size Missouri community bank with similar customer mix of individuals, small businesses, and agricultural borrowers. Direct comparable on community-bank service model and Midwestern geographic focus.
• Lindell Bank & Trust: St. Louis-based privately held community bank serving individuals and small businesses. Comparable to Ozark Bank on community-bank private ownership model, deposit/lending mix, and relationship-banking approach, with similar scale range.
• First State Bank (Missouri): Missouri-based community bank serving retail and small business customers with traditional deposit and lending products. Direct peer along community-bank dimensions though specific entity may vary by town.

Others

• UMB Bank: UMB Bank operates the ATM network that Ozark Bank customers access for fee-free/reduced-fee transactions. An infrastructure/ecosystem partner rather than direct competitor, but the underlying deposit and commercial banking franchise partially overlaps with Ozark's product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ozarkbank
• LinkedInlinkedin.com/company/ozark-bank
• Instagraminstagram.com/ozarkbank

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ozark Bank