Side-by-side · Q2 2026 data
Peoples Bank vs First State Bank of the Ozarks
Metric by metric
| Measure | Peoples Bank | First State Bank of the Ozarks |
|---|---|---|
| TellerScore | 80 (stronger) | 55 |
| Capital cushion | 60 (stronger) | 31 |
| Loan quality | 92 (stronger) | 48 |
| Earnings | 90 (stronger) | 79 |
| Funding & liquidity | 72 (stronger) | 71 |
| Problem-loan coverage | 97 (stronger) | 74 |
| Peer percentile | 77th | 11th |
| Total assets | $248.7M | $248.9M |
| Deposits / shares | $227.1M | $220.8M |
| Capital ratio | 10.96% (stronger) | 8.09% |
| Problem loans | 0.23% (stronger) | 1.55% |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.75% (stronger) | 1.48% |
| Loans ÷ deposits | 75.1% (stronger) | 79.3% |
| Uninsured deposits | 26.9% | 23.4% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
Peoples Bank has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 5 and First State Bank of the Ozarks on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.