Side-by-side · Q2 2026 data
Bank OZK vs First Federal Savings and Loan Association of Valdosta
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Bank OZK | First Federal Savings and Loan Association of Valdosta |
|---|---|---|
| TellerScore | 76 (stronger) | 57 |
| Capital cushion | 90 (stronger) | 73 |
| Loan quality | 69 (stronger) | 40 |
| Earnings | 84 (stronger) | 53 |
| Funding & liquidity | 46 | 47 (stronger) |
| Problem-loan coverage | 83 (stronger) | 75 |
| Peer percentile | 91st | 14th |
| Total assets | $41.7B | $278.5M |
| Deposits / shares | $34.0B | $208.5M |
| Capital ratio | 13.96% (stronger) | 12.26% |
| Problem loans | 0.92% (stronger) | 1.79% |
| Net charge-offs | 0.62% | 0.02% (stronger) |
| Return on assets | 1.60% (stronger) | 0.83% |
| Loans ÷ deposits | 94.4% (stronger) | 116.7% |
| Uninsured deposits | 32.5% | 17.9% (stronger) |
| Offices | 255 | 4 |
| CFPB complaints (3 yrs) | 153 | — |
| Complaints per $1B deposits | 4.5 | — |
| Mortgage denial rate (HMDA) | 37.8% | 0.0% |
Bank OZK has the higher TellerScore (76 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bank OZK leads on 5 and First Federal Savings and Loan Association of Valdosta on 2. 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
- Valdosta, GA
- Lake Park, GA