Side-by-side · Q2 2026 data
Phenix-Girard Bank vs Bank OZK
Metric by metric
| Measure | Phenix-Girard Bank | Bank OZK |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 68 | 90 (stronger) |
| Loan quality | 83 (stronger) | 69 |
| Earnings | 62 | 84 (stronger) |
| Funding & liquidity | 58 (stronger) | 46 |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 47th | 91st |
| Total assets | $342.3M | $41.7B |
| Deposits / shares | $323.6M | $34.0B |
| Capital ratio | 11.76% | 13.96% (stronger) |
| Problem loans | 0.51% (stronger) | 0.92% |
| Net charge-offs | 0.05% (stronger) | 0.62% |
| Return on assets | 1.04% | 1.60% (stronger) |
| Loans ÷ deposits | 25.1% (stronger) | 94.4% |
| Uninsured deposits | 53.3% | 32.5% (stronger) |
| Offices | 4 | 255 |
| CFPB complaints (3 yrs) | — | 153 |
| Complaints per $1B deposits | — | 4.5 |
| Mortgage denial rate (HMDA) | 1.8% | 37.8% |
Bank OZK has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Phenix-Girard Bank leads on 3 and Bank OZK on 4. 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.