First State Bank of the Ozarks (FDIC certificate #16162) is based in Purdy, Missouri. Its Q2 2026 call report shows $248.9M in total assets and $220.8M in deposits and 5 offices.
Based on its Q2 2026 filing, First State Bank of the Ozarks scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 171st. Its strongest component is earnings (79/100; 1.48%), and its lowest is capital cushion (31/100; 8.09%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 2 points (57 → 55), mostly because the funding & liquidity component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 67 |
| Q4 2024 | 64 |
| Q1 2025 | 49 |
| Q2 2025 | 57 |
| Q3 2025 | 53 |
| Q4 2025 | 59 |
| Q1 2026 | 49 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.75% |
| Q3 2024 | 7.89% |
| Q4 2024 | 7.70% |
| Q1 2025 | 7.55% |
| Q2 2025 | 7.82% |
| Q3 2025 | 7.94% |
| Q4 2025 | 7.98% |
| Q1 2026 | 8.15% |
| Q2 2026 | 8.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.28% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.96% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.64% |
| Q4 2025 | 1.13% |
| Q1 2026 | 2.05% |
| Q2 2026 | 1.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.90% |
| Q4 2024 | 1.80% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.31% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $248.9M | 8.09% | 1.55% | 1.48% | 79.3% |
| Q1 2026 | 49 | $242.7M | 8.15% | 2.05% | 1.22% | 79.6% |
| Q4 2025 | 59 | $239.2M | 7.98% | 1.13% | 1.31% | 75.3% |
| Q3 2025 | 53 | $240.1M | 7.94% | 1.64% | 1.31% | 72.4% |
| Q2 2025 | 57 | $237.0M | 7.82% | 1.39% | 1.39% | 71.8% |
| Q1 2025 | 49 | $238.0M | 7.55% | 1.96% | 1.16% | 68.4% |
| Q4 2024 | 64 | $232.7M | 7.70% | 0.86% | 1.80% | 72.9% |
| Q3 2024 | 67 | $238.6M | 7.89% | 0.73% | 1.90% | 69.2% |
| Q2 2024 | 58 | $229.2M | 7.75% | 1.28% | 1.49% | 72.7% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples BankBank Cuba, MO | 80 out of 100, Strong | $248.7M | 11.0% | 0.23% | vs |
| Community Bank of MarshallBank Marshall, MO | 69 out of 100, Moderate | $250.2M | 10.0% | 1.01% | vs |
| Citizens Bank of EldonBank Eldon, MO | 76 out of 100, Strong | $247.3M | 11.5% | 0.90% | vs |
| Bank of WestonBank Weston, MO | 68 out of 100, Moderate | $246.5M | 8.8% | 0.90% | vs |
| Alliant BankBank Madison, MO | 70 out of 100, Strong | $256.4M | 9.0% | 0.00% | vs |
| Bank of GrandinBank Grandin, MO | 64 out of 100, Moderate | $241.0M | 14.7% | 2.88% | vs |
Deposit insurance
Is my money safe at First State Bank of the Ozarks?
Yes. First State Bank of the Ozarks is an FDIC-insured institution (FDIC certificate #16162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.4% of deposits ($51.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.72% (benchmark: 10%).
5 locations
Branches
First State Bank of the Ozarks lists 5 offices in 4 cities. Most locations:
- Monett, MO (2)
- Cassville, MO (1)
- Pierce City, MO (1)
- Purdy, MO (1)
Identity & history
Profile
- Legal name
- First State Bank of the Ozarks
- Former names
- First State Bank of Purdy
- Type
- State-chartered bank
- FDIC certificate #
- 16162
- RSSD ID
- 400057
- Primary regulator
- FDIC
- Holding company
- Purdy Bancshares Inc
- Established
- June 19, 1944
- Headquarters
- 100 Kay Ave, Purdy, MO 65734
- Website
- www.fsbozk.com
- Employees
- 45
Quick answers
First State Bank of the Ozarks: common questions
Is First State Bank of the Ozarks FDIC insured?
Yes. First State Bank of the Ozarks is an FDIC-insured institution (FDIC certificate #16162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of the Ozarks's TellerScore?
55 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 State Bank of the Ozarks ever failed?
There is no failure record for FDIC certificate #16162 in the FDIC failed bank list.
How many branches does First State Bank of the Ozarks have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Purdy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Stockmens BankBank Colorado Springs, CO | 75 out of 100, Strong | $650.8M | 10.6% | 0.18% | vs |
| Conservation Employees Credit UnionCredit union Jefferson City, MO | 74 out of 100, Strong | $194.9M | 9.8% | 0.20% | vs |
| First Independent BankBank Aurora, MO | 74 out of 100, Strong | $147.6M | 11.6% | 1.00% | vs |