At a glance
From its website, read 2 Nov 2026Commercial Bancshares of Ozark, Inc. is a bank holding company based in Ozark, Alabama. Its website describes auto loans, commercial real estate loans, equipment loans and 3 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
| Website | www.cbozark.com |
|---|---|
| Office (official list) | 208 South Merrick Avenue, Ozark, AL 36360 |
What their website says about applying
Click here for Mortgage Application . Application must be printed and brought to a loan officer.
sourceClick here to Apply for a Personal Loan ! Application must be printed and brought to a loan officer.
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 holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 2581718 |
| Address | 208 South Merrick Avenue, Ozark, AL 36360 Directions (Google Maps) |
| Website | www.cbozark.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: high. Loan applications must be printed and brought to a loan officer, and no service area is stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Flexible terms and competitive rates on new and used cars, trucks, motorcycles, boats, and recreational vehicles. | source |
| Commercial real estate loans | — | From commercial real estate, equipment and vehicle purchase financing to business lines of credit, the Commercial Bank of Ozark offers loans structured to meet the needs of small and large businesses. | source |
| Equipment loans | — | From commercial real estate, equipment and vehicle purchase financing to business lines of credit, the Commercial Bank of Ozark offers loans structured to meet the needs of small and large businesses. | source |
| Home mortgages | — | we specialize in home mortgage lending, let us make your dream of owning a home come true. | source |
| Personal / consumer loans | from $1,000 | low minimum loan amount- borrow as little as $1,000*, easy application apply today. | source |
| Small-business loans | — | Let us help finance and grow your business. From commercial real estate, equipment and vehicle purchase financing to business lines of credit | source |
Loan sizes
low minimum loan amount- borrow as little as $1,000*, easy application apply today.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
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 mortgages?
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 commercial real estate loans and equipment 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$300,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
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 2026Subsidiary bank on file with the FDIC: The Commercial Bank Of Ozark (FDIC cert 17975, total assets $115.2 million). 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 | $115.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 2 (as of 30 Oct 2026) |
Offices by state and county (2)
Alabama (2 offices)
- Dale County (2): 208 S Merrick Ave, Ozark 36360 (main office); Phillip J. Hamm Dr., Midland City 36350
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 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, The Commercial Bank Of Ozark (RSSD 522034, FDIC cert 17975), the only active bank the FDIC lists under this holding company. 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 | $54.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 7.4% from $51.1 million on 30 Jun 2025 |
| Total assets | $115.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $11.8 million | 21.6% |
| Home equity lines of credit | $1.9 million | 3.4% |
| Commercial real estate, construction and multifamily | $13.9 million | 25.3% |
| Commercial and industrial (business) loans | $19.8 million | 36.2% |
| Farmland and farm production loans | $947,000 | 1.7% |
| Consumer loans (credit cards, auto, other) | $5 million | 9.2% |
| All other loans and leases | $1.4 million | 2.6% |
Within consumer loans: auto loans $2.7 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 | 43 loans $1.3 million | 50 loans $1.3 million |
| $100,001 to $250,000 | 21 loans $1.8 million | 15 loans $1.4 million |
| $250,001 to $1 million | 17 loans $7.4 million | 8 loans $2.4 million |
| All small business loans | 81 loans $10.5 million | 73 loans $5.1 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 | 1 loan $49,000 | 12 loans $258,000 |
| $100,001 to $250,000 | none reported | 1 loan $127,000 |
| $250,001 to $500,000 | 2 loans $512,000 | none reported |
| All small farm loans | 3 loans $561,000 | 13 loans $385,000 |
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) | $115.2 million | Larger than 8% of the 26 other certified banks and bank holding companies in Alabama (median $238.6 million). |
| Loans as a share of assets | 48% | Median of the same 26 banks and bank holding companies: 61%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $51.1 million → $54.9 million (+7%) | Median change of 26 other certified banks and bank holding companies in Alabama: +6%. Rank by loans held among these 27: 21 → 21. |
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 Alabama | 26 | larger than 8% |
| Loans held then vs now | certified banks and bank holding companies in Alabama reporting both dates | 26 | rank 21 → 21 of 27 |
“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 Ozark and Alabama
- Commercial Bank of Ozark, TheBank or thrift · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Commonwealth National BankBank or thrift · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Demopolis Federal Credit UnionCredit union · Demopolis, ALAuto / vehicle loans, Personal / consumer loansVerified
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