Side-by-side · Q2 2026 data
Ozarks Federal Savings and Loan Association vs Great Southern Bank
Bank
Ozarks Federal Savings and Loan Association
Farmington, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Ozarks Federal Savings and Loan Association | Great Southern Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 68 | 99 (stronger) |
| Earnings | 55 | 70 (stronger) |
| Funding & liquidity | 63 (stronger) | 36 |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 64th | 70th |
| Total assets | $277.2M | $5.5B |
| Deposits / shares | $227.7M | $4.4B |
| Capital ratio | 15.09% (stronger) | 11.33% |
| Problem loans | 0.95% | 0.02% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 0.87% | 1.26% (stronger) |
| Loans ÷ deposits | 97.1% (stronger) | 98.6% |
| Uninsured deposits | 7.7% (stronger) | 38.2% |
| Offices | 5 | 100 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.6% |
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), Ozarks Federal Savings and Loan Association leads on 5 and Great Southern Bank on 2. 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
- Fredericktown, MO