Side-by-side · Q2 2026 data
Ozarks Federal Savings and Loan Association vs Arlo Bank
Bank
Ozarks Federal Savings and Loan Association
Farmington, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Ozarks Federal Savings and Loan Association | Arlo Bank |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 68 | 100 (stronger) |
| Earnings | 55 (stronger) | 52 |
| Funding & liquidity | 63 (stronger) | 46 |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 64th | 68th |
| Total assets | $277.2M | $269.1M |
| Deposits / shares | $227.7M | $226.6M |
| Capital ratio | 15.09% (stronger) | 13.53% |
| Problem loans | 0.95% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.45% |
| Return on assets | 0.87% (stronger) | 0.79% |
| Loans ÷ deposits | 97.1% | 83.1% (stronger) |
| Uninsured deposits | 7.7% (stronger) | 43.2% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Arlo Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Ozarks Federal Savings and Loan Association leads on 4 and Arlo Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.