Side-by-side · Q2 2026 data
Citizens Bank of the Midwest vs First State Bank of the Ozarks
Metric by metric
| Measure | Citizens Bank of the Midwest | First State Bank of the Ozarks |
|---|---|---|
| TellerScore | 55 | 55 |
| Capital cushion | 34 (stronger) | 31 |
| Loan quality | 89 (stronger) | 48 |
| Earnings | 61 | 79 (stronger) |
| Funding & liquidity | 56 | 71 (stronger) |
| Problem-loan coverage | 24 | 74 (stronger) |
| Peer percentile | 11th | 11th |
| Total assets | $238.3M | $248.9M |
| Deposits / shares | $191.6M | $220.8M |
| Capital ratio | 8.39% (stronger) | 8.09% |
| Problem loans | 0.33% (stronger) | 1.55% |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.03% | 1.48% (stronger) |
| Loans ÷ deposits | 85.5% | 79.3% (stronger) |
| Uninsured deposits | 31.7% | 23.4% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank of the Midwest leads on 3 and First State Bank of the Ozarks on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.