Side-by-side · Q2 2026 data
Ozona Bank vs First Commercial Bank, National Association
Metric by metric
| Measure | Ozona Bank | First Commercial Bank, National Association |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 73 (stronger) | 53 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 47 | 75 (stronger) |
| Funding & liquidity | 83 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 53rd |
| Total assets | $346.1M | $565.9M |
| Deposits / shares | $282.8M | $502.1M |
| Capital ratio | 12.31% (stronger) | 10.25% |
| Problem loans | 0.00% (stronger) | 0.45% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.68% | 1.37% (stronger) |
| Loans ÷ deposits | 62.4% | 59.5% (stronger) |
| Uninsured deposits | 28.0% (stronger) | 35.3% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.6% |
Ozona Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 4 and First Commercial Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.