Side-by-side · Q2 2026 data
Local Bank vs The Commercial Bank Of Ozark
Metric by metric
| Measure | Local Bank | The Commercial Bank Of Ozark |
|---|---|---|
| TellerScore | 58 | 59 (stronger) |
| Capital cushion | 93 (stronger) | 41 |
| Loan quality | 53 | 62 (stronger) |
| Earnings | 0 | 40 (stronger) |
| Funding & liquidity | 53 | 98 (stronger) |
| Problem-loan coverage | 84 (stronger) | 80 |
| Peer percentile | 16th | 17th |
| Total assets | $111.3M | $115.2M |
| Deposits / shares | $87.5M | $107.6M |
| Capital ratio | 14.29% (stronger) | 9.09% |
| Problem loans | 1.42% | 1.14% (stronger) |
| Net charge-offs | 0.41% | 0.07% (stronger) |
| Return on assets | -1.47% | 0.51% (stronger) |
| Loans ÷ deposits | 97.8% | 50.5% (stronger) |
| Uninsured deposits | 23.7% | 16.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Commercial Bank Of Ozark has the higher TellerScore (59 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 1 and The Commercial Bank Of Ozark on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.