Bank · FDIC insured
Ozarks Federal Savings and Loan Association
A $277.2M bank headquartered in Farmington, MO, with 5 branches in Missouri. Best rates: savings 0.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings610.05%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Ozarks Federal Savings and Loan Association
Founded in 1930 and based in Farmington, Missouri, Ozarks Federal Savings and Loan Association is a mutual bank owned and governed by its depositor and borrower members.
The institution specializes in home lending and operates five locations with ATMs.
- Headquarters
- 2 E Columbia St, Farmington, MO 63640
- FDIC certificate
- 28277 ↗
Branches
5 branches in Missouri
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Missouri
5 branches
Farmington area · 1
- Ozarks Federal Savings and Loan AssociationMain office2 E Columbia St, Farmington, MO 63640Directions
St. Louis area · 1
- 643 North Creek Drive Branch643 N Creek Dr, Festus, MO 63028Directions
Fredericktown area · 1
- 217 West Main Branch217 W Main St, Fredericktown, MO 63645Directions
Ironton area · 1
- 211 S Main Street Branch211 S Main St, Ironton, MO 63650Directions
Potosi area · 1
- 1 Walton Drive Branch1 Walton Dr, Potosi, MO 63664Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.09% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.95% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.87% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $98 | $81 | — |
- CapitalLeverage ratio15.09%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.95%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.87%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$98Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Ozarks Federal Savings and Loan Association are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.