Dear Owner of Ozarks Federal Savings and Loan:

“Nothing is more simple than greatness; indeed, to be simple is to be great.”

---Ralph Waldo Emerson

Ozarks Federal Savings and Loan has focused on home lending since our inception in 1930. As a savings and loan, or thrift, we simply gather deposits from our members and lend them out for people in our communities to purchase or build their own homes. We don’t sell insurance, stocks, or take on risky, commercial ventures.

As a depositor or a borrower, you automatically become a member, or owner, of our mutual association. Every decision we make is focused around your best interests, not those of some special class of investors. Our employees genuinely care about you and are eager to assist you in setting up your checking or savings account, signing up for electronic banking on your computer or mobile banking on your smartphone, or helping you secure a home loan.

Most importantly, Ozarks Federal Savings and Loan is local. We are privileged to serve the communities of Farmington, Festus, Fredericktown, Ironton, and Potosi. All decisions are made locally. When you call Ozarks Federal, you get a real person that can offer assistance and answer your questions.

Since 1930, our story has been simple, but great. We strive to help our members accomplish their personal financial goals and our communities to become better places to live by making generous contributions to local and regional charities and events.

Please visit any of our five locations and meet our team who will give you the personal attention and professional service that you, our owners, deserve. As we approach our 90th Anniversary, we will continue to focus on being simple and great as we remain, the homeowners bank!


David Buerck

Chairman of the Board