Side-by-side · Q2 2026 data
Ozark Bank vs Farmers and Merchants Bank of St. Clair
Metric by metric
| Measure | Ozark Bank | Farmers and Merchants Bank of St. Clair |
|---|---|---|
| TellerScore | 55 | 84 (stronger) |
| Capital cushion | 42 | 78 (stronger) |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 65 | 68 (stronger) |
| Funding & liquidity | 58 | 83 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 11th | 86th |
| Total assets | $341.0M | $343.5M |
| Deposits / shares | $283.1M | $301.1M |
| Capital ratio | 9.23% | 12.76% (stronger) |
| Problem loans | 1.47% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.12% | 1.19% (stronger) |
| Loans ÷ deposits | 89.7% | 77.0% (stronger) |
| Uninsured deposits | 26.2% | 12.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 5.8% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ozark Bank leads on 1 and Farmers and Merchants Bank of St. Clair on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.