Side-by-side · Q2 2026 data
Belgrade State Bank vs Ozarks Federal Savings and Loan Association
Bank
Ozarks Federal Savings and Loan Association
Farmington, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Belgrade State Bank | Ozarks Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 88 (stronger) | 68 |
| Earnings | 83 (stronger) | 55 |
| Funding & liquidity | 70 (stronger) | 63 |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 57th | 64th |
| Total assets | $548.0M | $277.2M |
| Deposits / shares | $495.3M | $227.7M |
| Capital ratio | 10.13% | 15.09% (stronger) |
| Problem loans | 0.35% (stronger) | 0.95% |
| Net charge-offs | 0.08% | -0.01% (stronger) |
| Return on assets | 1.58% (stronger) | 0.87% |
| Loans ÷ deposits | 82.3% (stronger) | 97.1% |
| Uninsured deposits | 21.6% | 7.7% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ozarks Federal Savings and Loan Association has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Belgrade State Bank leads on 3 and Ozarks Federal Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Farmington, MO
- Potosi, MO