Side-by-side · Q2 2026 data
Ozark Bank vs Exchange Bank Co.
Metric by metric
| Measure | Ozark Bank | Exchange Bank Co. |
|---|---|---|
| TellerScore | 55 | 69 (stronger) |
| Capital cushion | 42 (stronger) | 41 |
| Loan quality | 51 | 56 (stronger) |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 58 | 93 (stronger) |
| Problem-loan coverage | 77 | 84 (stronger) |
| Peer percentile | 11th | 40th |
| Total assets | $341.0M | $341.5M |
| Deposits / shares | $283.1M | $306.1M |
| Capital ratio | 9.23% (stronger) | 9.11% |
| Problem loans | 1.47% | 1.33% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.12% | 2.01% (stronger) |
| Loans ÷ deposits | 89.7% | 67.4% (stronger) |
| Uninsured deposits | 26.2% | 12.4% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
Exchange Bank Co. has the higher TellerScore (69 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ozark Bank leads on 1 and Exchange Bank Co. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.