Side-by-side · Q2 2026 data
Bank OZK vs American Commerce Bank, National Association
Metric by metric
| Measure | Bank OZK | American Commerce Bank, National Association |
|---|---|---|
| TellerScore | 76 (stronger) | 63 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 69 (stronger) | 1 |
| Earnings | 84 | 91 (stronger) |
| Funding & liquidity | 46 | 51 (stronger) |
| Problem-loan coverage | 83 (stronger) | 73 |
| Peer percentile | 91st | 24th |
| Total assets | $41.7B | $495.7M |
| Deposits / shares | $34.0B | $392.1M |
| Capital ratio | 13.96% | 17.09% (stronger) |
| Problem loans | 0.92% (stronger) | 2.98% |
| Net charge-offs | 0.62% | 0.09% (stronger) |
| Return on assets | 1.60% | 1.79% (stronger) |
| Loans ÷ deposits | 94.4% (stronger) | 102.4% |
| Uninsured deposits | 32.5% | 21.4% (stronger) |
| Offices | 255 | 4 |
| CFPB complaints (3 yrs) | 153 | — |
| Complaints per $1B deposits | 4.5 | — |
| Mortgage denial rate (HMDA) | 37.8% | — |
Bank OZK has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Bank OZK leads on 3 and American Commerce Bank, National Association on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Carrollton, GA
- Bremen, GA