Side-by-side · Q2 2026 data
First State Bank of the Ozarks vs Peoples Community Bank
Metric by metric
| Measure | First State Bank of the Ozarks | Peoples Community Bank |
|---|---|---|
| TellerScore | 55 | 83 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 48 | 59 (stronger) |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 62 |
| Problem-loan coverage | 74 | 91 (stronger) |
| Peer percentile | 11th | 84th |
| Total assets | $248.9M | $735.2M |
| Deposits / shares | $220.8M | $599.8M |
| Capital ratio | 8.09% | 18.54% (stronger) |
| Problem loans | 1.55% | 1.23% (stronger) |
| Net charge-offs | 0.03% | -0.02% (stronger) |
| Return on assets | 1.48% | 2.61% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 82.3% |
| Uninsured deposits | 23.4% (stronger) | 29.0% |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.3% |
Peoples Community Bank has the higher TellerScore (83 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the Ozarks leads on 2 and Peoples Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.