Side-by-side · Q2 2026 data
The Commercial Bank Of Ozark vs First State Bank of the South, Inc.
Metric by metric
| Measure | The Commercial Bank Of Ozark | First State Bank of the South, Inc. |
|---|---|---|
| TellerScore | 59 | 89 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 62 | 92 (stronger) |
| Earnings | 40 | 62 (stronger) |
| Funding & liquidity | 98 (stronger) | 96 |
| Problem-loan coverage | 80 | 88 (stronger) |
| Peer percentile | 17th | 94th |
| Total assets | $115.2M | $130.7M |
| Deposits / shares | $107.6M | $109.2M |
| Capital ratio | 9.09% | 16.38% (stronger) |
| Problem loans | 1.14% | 0.24% (stronger) |
| Net charge-offs | 0.07% | -0.01% (stronger) |
| Return on assets | 0.51% | 1.05% (stronger) |
| Loans ÷ deposits | 50.5% (stronger) | 51.8% |
| Uninsured deposits | 16.9% (stronger) | 18.7% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of the South, Inc. has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank Of Ozark leads on 2 and First State Bank of the South, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.