Side-by-side · Q2 2026 data
Bank OZK vs First National Community Bank
Metric by metric
| Measure | Bank OZK | First National Community Bank |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 90 (stronger) | 79 |
| Loan quality | 69 | 86 (stronger) |
| Earnings | 84 | 96 (stronger) |
| Funding & liquidity | 46 | 64 (stronger) |
| Problem-loan coverage | 83 | 96 (stronger) |
| Peer percentile | 91st | 86th |
| Total assets | $41.7B | $754.7M |
| Deposits / shares | $34.0B | $653.2M |
| Capital ratio | 13.96% (stronger) | 12.92% |
| Problem loans | 0.92% | 0.43% (stronger) |
| Net charge-offs | 0.62% | -0.01% (stronger) |
| Return on assets | 1.60% | 1.90% (stronger) |
| Loans ÷ deposits | 94.4% | 81.6% (stronger) |
| Uninsured deposits | 32.5% | 28.2% (stronger) |
| Offices | 255 | 10 |
| CFPB complaints (3 yrs) | 153 | — |
| Complaints per $1B deposits | 4.5 | — |
| Mortgage denial rate (HMDA) | 37.8% | 10.0% |
First National Community Bank has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank OZK leads on 1 and First National Community Bank on 6. 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
- Rome, GA
- Cartersville, GA
- Dalton, GA
- Dallas, GA
- Chatsworth, GA
- Calhoun, GA
- Adairsville, GA