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CB Commercial Bank Of Ozark

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CB Commercial Bank Of Ozark Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CB Commercial Bank Of Ozark provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

CB Commercial Bank Of Ozark rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not CB Commercial Bank Of Ozark, and you can see how they compare in the CB Commercial Bank Of Ozark rate tables below. MonitorBankRates evaluates the financial stability of CB Commercial Bank Of Ozark with a 2.9 Star Rating, an C Overall Health Grade, and a Texas Ratio of 11.05%. Database rates last updated and verified on 09/23/2026.

CB Commercial Bank Of Ozark money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CB Commercial Bank Of Ozark? Share your experience about CB Commercial Bank Of Ozark by leaving a review below, or read customer reviews before you decide to use CB Commercial Bank Of Ozark.

Overall Health & Safety Grade

Average Health Score: 74/100

MonitorBankRates Rating

2.9

Fair Out of 5.0 Stars

Texas Ratio

11.05%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

CB Commercial Bank Of Ozark

208 S Merrick Ave
Ozark, AL 36360

https://www.cbozark.com

Current Rate Availability

We're not currently displaying rates for CB Commercial Bank Of Ozark, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

CB Commercial Bank Of Ozark’s Texas Ratio fell from 2,187.88% in Q3 2023 to 11.05% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 2.9 and its Health Grade from F to C. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$115M	11.05%	2.9	C
March 31, 2026	$115M	13.34%	2.3	D
December 31, 2025	$118M	12.87%	2.7	C-
September 30, 2025	$114M	13.90%	2.1	D
June 30, 2025	$114M	20.12%	1.0	F
March 31, 2025	$112M	20.68%	1.0	F
December 31, 2024	$115M	25.84%	1.0	F
September 30, 2024	$111M	13.82%	1.7	D
June 30, 2024	$113M	22.18%	1.0	F
March 31, 2024	$114M	26.44%	1.0	F
December 31, 2023	$115M	21.85%	1.0	F
September 30, 2023	$108M	2,187.88%	1.0	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CB Commercial Bank Of Ozark is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CB Commercial Bank Of Ozark rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CB Commercial Bank Of Ozark's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CB Commercial Bank Of Ozark

Bank Holding Company COMMERCIAL BANCSHARES OZARK

Address 208 S Merrick Ave, Ozark, AL 36360 · Dale

Website https://www.cbozark.com

FDIC Certificate # 17975

Established 19590402

FDIC Insurance Date 19590402

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 74/100

2.9

Fair Out of 5.0 Stars

11.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5100%

Return on Equity (ROE) 11.0200%

Non-Performing Loans (NPL) 0.54%

Total Assets $115,195,000

Total Deposits $107,586,000

Equity Capital $5,655,000

Net Income $296,000

Headquarters Ozark

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About CB Commercial Bank Of Ozark

How many branches does CB Commercial Bank Of Ozark operate?

CB Commercial Bank Of Ozark currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CB Commercial Bank Of Ozark does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CB Commercial Bank Of Ozark provides members with tools to manage their accounts and build a solid financial history.

Does CB Commercial Bank Of Ozark offer online and mobile banking?

Most modern institutions like CB Commercial Bank Of Ozark provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbozark.com.