Bank Comparison
First Midwest Bank of the Ozarks vs Peoples Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Midwest Bank of the Ozarks | Peoples Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.79% | 19.56% |
| Equity / Assets | 10.46% | 18.71% |
Profitability
| Metric | First Midwest Bank of the Ozarks | Peoples Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.70% | 2.83% |
| Return on Equity (ROE) | 16.22% | 15.21% |
| Net Interest Margin (NIM) | 4.31% | 4.71% |
| Yield on Earning Assets | 6.50% | 6.42% |
| Cost of Funds | 2.33% | 2.02% |
Asset quality
| Metric | First Midwest Bank of the Ozarks | Peoples Community Bank |
|---|---|---|
| Texas Ratio | 5.41% | 5.94% |
| Non-Performing Loan Ratio | 0.54% | 1.66% |
| Non-Performing Asset Ratio | 0.51% | 1.13% |
| Net Charge-Off Ratio | 0.16% | -0.05% |
| ACL / Loans | 1.29% | 1.16% |
Balance sheet
| Metric | First Midwest Bank of the Ozarks | Peoples Community Bank |
|---|---|---|
| Total Assets | $740,886K | $723,470K |
| Total Deposits | $655,963K | $584,735K |
| Total Loans | $613,769K | $492,707K |
| Total Equity | $77,528K | $135,329K |
| Net Income (quarter) | $3,130K | $5,077K |
Liquidity & funding
| Metric | First Midwest Bank of the Ozarks | Peoples Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.57% | 84.26% |
| Core Deposit Ratio | 88.84% | 86.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Midwest Bank of the Ozarks | Peoples Community Bank |
|---|---|---|
| Headquarters City | POPLAR BLUFF | GREENVILLE |
| Headquarters State | MO | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 16 |
| Employees (FTE) | 127 | 121 |
| Established | Aug. 29, 1964, midnight | Jan. 3, 1977, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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