At a glance
From its website, read 2 Nov 2026Century Bank of the Ozarks is a bank or thrift based in Gainesville, Missouri. Its website describes farm loans, auto loans, commercial real estate loans and 6 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (479) 368-0368 source |
|---|---|
| Website | www.cbozarks.com |
| Office (official list) | 42 Court Square, Gainesville, MO 65655 |
What their website says about applying
Call or stop by one of our local bank locations to discuss your needs with one of our experienced loan officers.
sourcePlease call any of our full service locations to speak to a loan officer who can assist you with your business borrowing needs.
sourceCall or stop by one of four convenient locations and discuss your financing needs with one of our experienced lending professionals.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 15 Jan 2026 |
| RSSD ID | 904359 |
| Address | 42 Court Square, Gainesville, MO 65655 Directions (Google Maps) |
| Website | www.cbozarks.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts, service area and online application are not stated on the pages fetched; the Loans and Personal Loans pages are thin. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | We provide all types of agricultural loans including operating lines of credit, equipment financing, livestock financing, and real estate loans. | source |
| Auto / vehicle loans | — | including home mortgages, new and used auto loans, recreational vehicle loans, second mortgages and home equity lines of credit. | source |
| Commercial real estate loans | — | Century Bank of the Ozarks provides fixed rate balloon and variable rate financing for owner and non-owner occupied real estate. | source |
| Equipment loans | — | Equipment loans are available for the purchase or refinancing of new and used machinery and equipment. | source |
| Home repair / improvement loans | — | Home Improvement Loans | source |
| Home mortgages | — | including home mortgages, new and used auto loans, recreational vehicle loans, second mortgages and home equity lines of credit. | source |
| Personal / consumer loans | — | Installment Loans | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Century Bank of the Ozarks will work with the Small Business Administration (SBA) to assist business owners with their borrowing needs. | source |
| Small-business loans | — | Lines of credit are used for temporary working capital when needed and can be paid down and drawn against without reapplying for credit. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Farmers / ranchers
We take pride in offering our agriculture customers a wide range of financing products
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.7 million in 7 awards from the U.S. Treasury's CDFI Fund, 2017–2022 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $46,661 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Century Bank of the Ozarks (FDIC cert 8296). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $305.3 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 in 2 states (as of 30 Oct 2026) |
Offices by state and county (6)
Missouri (4 offices)
- Douglas County (1): 1002 North West 12th Avenue, Ava 65608
- Ozark County (3): 42 Court Sq, Gainesville 65655 (main office); 1813 State Highway Ar, Bakersfield 65609; 6151 Us Highway 160, Theodosia 65761
Arkansas (2 offices)
- Baxter County (2): 2448 Highway 62 E, Mountain Home 72653; 2448 Highway 62 E, Mountain Home 72653
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Century Bank of the Ozarks (RSSD 904359, FDIC cert 8296). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $257 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 12.3% from $228.8 million on 30 Jun 2025 |
| Total assets | $305.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $60.3 million | 23.4% |
| Home equity lines of credit | $571,000 | 0.2% |
| Commercial real estate, construction and multifamily | $103.4 million | 40.1% |
| Commercial and industrial (business) loans | $13.6 million | 5.3% |
| Farmland and farm production loans | $72.5 million | 28.1% |
| Consumer loans (credit cards, auto, other) | $7.1 million | 2.8% |
| All other loans and leases | $72,000 | <0.1% |
Within consumer loans: auto loans $4.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 236 loans $9.8 million | 250 loans $4.9 million |
| $100,001 to $250,000 | 139 loans $18.9 million | 27 loans $2.6 million |
| $250,001 to $1 million | 83 loans $30.4 million | 8 loans $3.3 million |
| All small business loans | 458 loans $59.1 million | 285 loans $10.8 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 250 loans $4.9 million | 291 loans $4.8 million |
| $100,001 to $250,000 | 169 loans $21.4 million | 19 loans $2 million |
| $250,001 to $500,000 | 70 loans $17.4 million | 2 loans $798,000 |
| All small farm loans | 489 loans $43.6 million | 312 loans $7.6 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $305.3 million | Larger than 20% of the 10 other certified banks and bank holding companies in Missouri (median $534.6 million). |
| Loans as a share of assets | 84% | Median of the same 10 banks and bank holding companies: 79%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $228.8 million → $257 million (+12%) | Median change of 10 other certified banks and bank holding companies in Missouri: +9%. Rank by loans held among these 11: 8 → 8. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Missouri | 10 | larger than 20% |
| Loans held then vs now | certified banks and bank holding companies in Missouri reporting both dates | 10 | rank 8 → 8 of 11 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Gainesville and Missouri
- Century Bancshares, Inc.Bank holding company · Gainesville, MOOfficial list only
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Central Bancshares Of Kansas City, Inc.Bank holding company · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- First Missouri Bank of SEMOBank or thrift · Kennett, MOAgriculture / farm loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
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