Side-by-side · Q2 2026 data
Bank OZK vs River City Bank
Metric by metric
| Measure | Bank OZK | River City Bank |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 90 (stronger) | 51 |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 84 | 89 (stronger) |
| Funding & liquidity | 46 | 60 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 91st | 68th |
| Total assets | $41.7B | $423.4M |
| Deposits / shares | $34.0B | $380.9M |
| Capital ratio | 13.96% (stronger) | 10.15% |
| Problem loans | 0.92% | 0.00% (stronger) |
| Net charge-offs | 0.62% | -0.02% (stronger) |
| Return on assets | 1.60% | 1.71% (stronger) |
| Loans ÷ deposits | 94.4% | 86.2% (stronger) |
| Uninsured deposits | 32.5% | 27.7% (stronger) |
| Offices | 255 | 4 |
| CFPB complaints (3 yrs) | 153 | — |
| Complaints per $1B deposits | 4.5 | — |
| Mortgage denial rate (HMDA) | 37.8% | 4.1% |
River City Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank OZK leads on 1 and River City 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
- Cartersville, GA
- Blairsville, GA
- Calhoun, GA
- Rome, GA