Side-by-side · Q2 2026 data
Citizens Bank of Eldon vs First State Bank of the Ozarks
Metric by metric
| Measure | Citizens Bank of Eldon | First State Bank of the Ozarks |
|---|---|---|
| TellerScore | 76 (stronger) | 55 |
| Capital cushion | 65 (stronger) | 31 |
| Loan quality | 70 (stronger) | 48 |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 67 | 71 (stronger) |
| Problem-loan coverage | 88 (stronger) | 74 |
| Peer percentile | 64th | 11th |
| Total assets | $247.3M | $248.9M |
| Deposits / shares | $216.3M | $220.8M |
| Capital ratio | 11.53% (stronger) | 8.09% |
| Problem loans | 0.90% (stronger) | 1.55% |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 2.23% (stronger) | 1.48% |
| Loans ÷ deposits | 93.3% | 79.3% (stronger) |
| Uninsured deposits | 13.1% (stronger) | 23.4% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Eldon has the higher TellerScore (76 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Eldon leads on 6 and First State Bank of the Ozarks on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.