Side-by-side · Q2 2026 data
Security Bank of the Ozarks vs First Independent Bank
Metric by metric
| Measure | Security Bank of the Ozarks | First Independent Bank |
|---|---|---|
| TellerScore | 63 | 74 (stronger) |
| Capital cushion | 26 | 66 (stronger) |
| Loan quality | 81 (stronger) | 67 |
| Earnings | 68 | 70 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 80 | 88 (stronger) |
| Peer percentile | 24th | 57th |
| Total assets | $155.1M | $147.6M |
| Deposits / shares | $144.0M | $131.4M |
| Capital ratio | 7.62% | 11.63% (stronger) |
| Problem loans | 0.56% (stronger) | 1.00% |
| Net charge-offs | 0.13% | 0.10% (stronger) |
| Return on assets | 1.19% | 1.24% (stronger) |
| Loans ÷ deposits | 73.0% | 55.5% (stronger) |
| Uninsured deposits | 13.1% | 5.8% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Independent Bank has the higher TellerScore (74 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Security Bank of the Ozarks leads on 1 and First Independent Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.