Side-by-side · Q2 2026 data
First State Community 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 | First State Community Bank | Ozarks Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 64 | 68 (stronger) |
| Earnings | 93 (stronger) | 55 |
| Funding & liquidity | 61 | 63 (stronger) |
| Problem-loan coverage | 87 | 90 (stronger) |
| Peer percentile | 70th | 64th |
| Total assets | $4.5B | $277.2M |
| Deposits / shares | $3.8B | $227.7M |
| Capital ratio | 11.68% | 15.09% (stronger) |
| Problem loans | 1.07% | 0.95% (stronger) |
| Net charge-offs | 0.12% | -0.01% (stronger) |
| Return on assets | 1.82% (stronger) | 0.87% |
| Loans ÷ deposits | 90.4% (stronger) | 97.1% |
| Uninsured deposits | 23.0% | 7.7% (stronger) |
| Offices | 48 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | — |
Ozarks Federal Savings and Loan Association has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Community Bank leads on 2 and Ozarks Federal Savings and Loan Association on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Farmington, MO
- Festus, MO
- Fredericktown, MO
- Ironton, MO
- Potosi, MO