Side-by-side · Q2 2026 data
United State Bank vs Ozarks Federal Savings and Loan Association
Bank
Ozarks Federal Savings and Loan Association
Farmington, Missouri · $100 million – $1 billion
Metric by metric
| Measure | United State Bank | Ozarks Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 80 (stronger) | 76 |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 98 (stronger) | 68 |
| Earnings | 91 (stronger) | 55 |
| Funding & liquidity | 74 (stronger) | 63 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 77th | 64th |
| Total assets | $290.1M | $277.2M |
| Deposits / shares | $258.4M | $227.7M |
| Capital ratio | 10.50% | 15.09% (stronger) |
| Problem loans | 0.07% (stronger) | 0.95% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.77% (stronger) | 0.87% |
| Loans ÷ deposits | 86.0% (stronger) | 97.1% |
| Uninsured deposits | 10.1% | 7.7% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United State Bank has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), United State Bank leads on 4 and Ozarks Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.