TellerScore

Headquartered in Poplar Bluff, Missouri, First Midwest Bank of the Ozarks is a state-chartered bank with $733.2M in total assets and $646.6M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1964.

First Midwest Bank of the Ozarks has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 113th. Earnings contributes the most (92/100, 1.81%); funding & liquidity contributes the least (51/100, 97% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.84%
Loan quality67/100
Noncurrent loans ÷ total loans: 1.00%
Earnings92/100
Return on assets (annualized): 1.81%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 96.8% · 26.2% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).

TellerScore
657074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202465
Q4 202469
Q1 202569
Q2 202569
Q3 202568
Q4 202574
Q1 202671
Q2 202669
Tier 1 leverage ratio
5.00%7.99%10.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.69%
Q3 202410.98%
Q4 202410.93%
Q1 202510.97%
Q2 202510.71%
Q3 202510.64%
Q4 202510.58%
Q1 202610.79%
Q2 202610.84%
Noncurrent loans
0.44%0.90%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.94%
Q3 20241.36%
Q4 20240.90%
Q1 20250.80%
Q2 20250.80%
Q3 20250.99%
Q4 20250.44%
Q1 20260.68%
Q2 20261.00%
Return on assets
1.51%1.66%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.68%
Q3 20241.67%
Q4 20241.66%
Q1 20251.51%
Q2 20251.60%
Q3 20251.74%
Q4 20251.75%
Q1 20261.69%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$733.2M10.84%1.00%1.81%96.8%
Q1 202671$740.9M10.79%0.68%1.69%92.4%
Q4 202574$739.7M10.58%0.44%1.75%91.2%
Q3 202568$737.7M10.64%0.99%1.74%93.6%
Q2 202569$730.6M10.71%0.80%1.60%94.3%
Q1 202569$737.7M10.97%0.80%1.51%95.9%
Q4 202469$715.7M10.93%0.90%1.66%97.6%
Q3 202465$711.2M10.98%1.36%1.67%97.8%
Q2 202468$712.3M10.69%0.94%1.68%96.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.84%
47th
Total risk-based capital0.00%
24th
Problem loans1.00%
28th
Net charge-offs0.11%
18th
Return on assets1.81%
81st
Net interest margin4.45%
78th
Efficiency ratio59.4%
59th
Loans to deposits96.8%
14th
Uninsured deposits26.2%
41st
Loan-loss reserves1.26%
58th
Texas ratio7.5%
25th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
HomeBankBank Palmyra, MO74 out of 100, Strong$733.3M9.6%0.29%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
West Plains Bank and Trust CompanyBank West Plains, MO70 out of 100, Strong$767.9M8.3%0.45%vs
Bank of OdessaBank Odessa, MO72 out of 100, Strong$667.1M13.7%2.12%vs
MRV BanksBank Sainte Genevieve, MO43 out of 100, Below average$803.1M11.5%5.72%vs

Deposit insurance

Is my money safe at First Midwest Bank of the Ozarks?

Yes. First Midwest Bank of the Ozarks is an FDIC-insured institution (FDIC certificate #19212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($169.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Midwest Bank of the Ozarks lists 11 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Midwest Bank of the Ozarks reported 296 home-loan applications under HMDA (LEI 549300TSIYX9RDYWC806): 264 originated ($46,220,000 total), 11 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Midwest Bank of the Ozarks
Former names
First Midwest Bank of Poplar Bluff; First National Bank of Poplar Bluff
Type
State-chartered bank
FDIC certificate #
19212
RSSD ID
228158
Primary regulator
FDIC
Holding company
Midwest Bcorp &affiliates Esop Tr
Established
August 29, 1964
Headquarters
704 N Westwood Blvd, Poplar Bluff, MO 63901
Employees
124

Quick answers

First Midwest Bank of the Ozarks: common questions

Is First Midwest Bank of the Ozarks FDIC insured?

Yes. First Midwest Bank of the Ozarks is an FDIC-insured institution (FDIC certificate #19212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Midwest Bank of the Ozarks's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Midwest Bank of the Ozarks ever failed?

There is no failure record for FDIC certificate #19212 in the FDIC failed bank list.

How many branches does First Midwest Bank of the Ozarks have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Poplar Bluff

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs
Sterling BankBank Poplar Bluff, MO78 out of 100, Strong$1.6B11.1%0.35%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs
Bank of GrandinBank Grandin, MO64 out of 100, Moderate$241.0M14.7%2.88%vs