Side-by-side · Q2 2026 data
Commercial 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 | Commercial Bank | Ozarks Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 51 | 76 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 67 | 68 (stronger) |
| Earnings | 39 | 55 (stronger) |
| Funding & liquidity | 66 (stronger) | 63 |
| Problem-loan coverage | 77 | 90 (stronger) |
| Peer percentile | 8th | 64th |
| Total assets | $282.9M | $277.2M |
| Deposits / shares | $246.5M | $227.7M |
| Capital ratio | 7.93% | 15.09% (stronger) |
| Problem loans | 1.00% | 0.95% (stronger) |
| Net charge-offs | 0.16% | -0.01% (stronger) |
| Return on assets | 0.46% | 0.87% (stronger) |
| Loans ÷ deposits | 79.5% (stronger) | 97.1% |
| Uninsured deposits | 28.2% | 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 51). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 1 and Ozarks Federal Savings and Loan Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.