Side-by-side · Q2 2026 data
Bank OZK vs Black Mountain Savings Bank, SSB
Bank
Black Mountain Savings Bank, SSB
Black Mountain, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Bank OZK | Black Mountain Savings Bank, SSB |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 90 (stronger) | 70 |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 84 (stronger) | 12 |
| Funding & liquidity | 46 | 86 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 91st | 42nd |
| Total assets | $41.7B | $43.0M |
| Deposits / shares | $34.0B | $37.7M |
| Capital ratio | 13.96% (stronger) | 11.99% |
| Problem loans | 0.92% | 0.00% (stronger) |
| Net charge-offs | 0.62% | 0.00% (stronger) |
| Return on assets | 1.60% (stronger) | -0.21% |
| Loans ÷ deposits | 94.4% | 74.7% (stronger) |
| Uninsured deposits | 32.5% | 10.1% (stronger) |
| Offices | 255 | 1 |
| 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 71). On the 7 directional measures above (where higher or lower is clearly better), Bank OZK leads on 3 and Black Mountain Savings Bank, SSB 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.