FIRST STATE BANK OF THE OZARKS
FIRST STATE BANK OF THE OZARKS is an FDIC-insured commercial bank headquartered in PURDY, MO, established in 1944. As of , the bank reported total assets of $239M and total deposits of $212M. Profitability stands at 1.31% ROA and 17.38% ROE, with a net interest margin of 4.14%. CET1 capital ratio: 12.03%, well above regulatory minimums. NPL ratio: 1.15% · Texas Ratio: 9.31%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First State Bank of the Ozarks rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.03% | 1.31% | 1.15% | 9.31% | 4.14% |
| 2025-09-30 | 12.25% | 1.15% | 1.67% | 13.45% | 3.99% |
| 2025-06-30 | 12.47% | 1.62% | 1.42% | 11.78% | 3.99% |
| 2025-03-31 | 12.00% | 1.16% | 1.63% | 13.47% | 3.72% |
| 2024-12-31 | 11.90% | 1.49% | 0.88% | 7.66% | 3.91% |
| 2024-09-30 | 12.00% | 2.66% | 0.56% | 6.59% | 5.13% |
| 2024-06-30 | 11.56% | 1.13% | 1.29% | 11.79% | 3.78% |
| 2024-03-31 | 11.88% | 1.87% | 1.50% | 13.26% | 3.91% |
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Frequently asked about FIRST STATE BANK OF THE OZARKS
What are First State Bank of the Ozarks's total assets?
As of the Q4 2025 filing, First State Bank of the Ozarks reported total assets of $239.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank of the Ozarks headquartered?
First State Bank of the Ozarks is headquartered in PURDY, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First State Bank of the Ozarks founded?
First State Bank of the Ozarks was established in 1944, per the FDIC institution directory.
Is First State Bank of the Ozarks FDIC-insured?
Yes. First State Bank of the Ozarks is an FDIC-insured commercial bank (FDIC Certificate #16162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of the Ozarks?
First State Bank of the Ozarks's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank of the Ozarks's CET1 capital ratio?
First State Bank of the Ozarks reported a Common Equity Tier 1 (CET1) capital ratio of 12.03% in its most recent quarterly filing — above regulatory minimums.
How many branches does First State Bank of the Ozarks operate?
First State Bank of the Ozarks operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First State Bank of the Ozarks's Texas Ratio?
First State Bank of the Ozarks's Texas Ratio is 9.31% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.