First State Bank of the Ozarks
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of the Ozarks is an FDIC-insured commercial bank headquartered in Purdy, MO, established in 1944 (FDIC certificate 16162), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $248.9M, up 5.0% from Q2 2025, the 110th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.64% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16162
- Headquarters
- Purdy, MO
- Established
- 1944
- Total assets, Q2 2026
- $248.9M
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 11.64%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081511754
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of the Ozarks call report
- Holding company
- PURDY BANCSHARES, INC.
- Asset rank in state
- 110th of 191 in Missouri
First State Bank of the Ozarks is one of the more profitable banks of its size. Its balance sheet stood at $249 million at June 30, 2026, up 5.0% from a year earlier; it is based in Purdy, Missouri. It returns 22.4% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 8.09% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
The commercial and industrial book ($29 million) is worsening: 7.79% of it is past due or on nonaccrual, up from 2.57% a year earlier. Loans are outrunning deposits: over the year loans rose 15.5% and deposits rose 4.4%. Credit is the area to watch: it carries problem assets equal to 13.0% of the capital and reserves that would absorb them, 4.9 times the median of 2.6% for banks its size.
As of June 30, 2026, First State Bank of the Ozarks reported a CET1 capital ratio of 11.64%, a return on assets of 1.67%, a nonperforming-loan ratio of 1.55% and a Texas ratio of 13.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank of the Ozarks is the 110th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $248.9M, loans rose 2.4% and deposits rose 2.7%. 1-4 family residential loans made up 22.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.3%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in MO; its Monett 2 offices book 56% of its branch deposits. Judged on its Q2 2026 call report, First State Bank of the Ozarks meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Kay Ave, Purdy, MO 65734
- County
- Barry
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 19, 1944
- Former names
- First State Bank of Purdy (1977-2026)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $220.8M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $25K
- Average total assets
- $256.7M
- Average total loans
- $175.1M
- Average interest-bearing deposits
- $159.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1944
- FDIC Cert
- 16162
- Fed RSSD
- 400057
- Website
- www.fsbozk.com →
- Parent Holding Company
- PURDY BANCSHARES, INC. (RSSD 1096046)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First State Bank of the Ozarks's total assets moved between a low of $206.9M (Q3 2023) and a high of $248.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$248.9M total assets against $237.0M; $229.7M total liabilities against $220.0M.
$175.2M net loans and leases against $151.9M; $220.8M total deposits against $211.6M.
$36.0M securities against $37.3M; $28.5M cash and balances due against $38.7M.
$3.7M total interest income against $3.3M; $1.1M total interest expense against $1.1M.
$2.6M net interest income against $2.2M.
$254K total noninterest income against $434K; $1.6M total noninterest expense against $1.6M.
$100K provision for credit losses against $75K.
$1.1M net income against $959K.
1.67% return on assets against 1.58%; 4.26% net interest margin against 4.02%.
11.64% CET1 capital ratio against 12.47%; 8.09% tier 1 leverage ratio against 7.82%.
Inside the full First State Bank of the Ozarks terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of the Ozarks rankings
Its closest position to the top of a national ranking is 411 of 3,640, for Texas Ratio; its furthest is 1,817 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q1 2025) to 2.66% (Q3 2024) and its net interest margin ran from 3.74% (Q1 2025) to 5.11% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.64% | 1.67% | 1.55% | 13.01% | 4.26% |
| Q1 2026 | 11.53% | 1.18% | 2.05% | 17.10% | 4.15% |
| Q4 2025 | 12.03% | 1.28% | 1.13% | 9.13% | 4.17% |
| Q3 2025 | 12.25% | 1.13% | 1.64% | 13.25% | 4.00% |
| Q2 2025 | 12.47% | 1.58% | 1.39% | 11.58% | 4.02% |
| Q1 2025 | 12.00% | 1.12% | 1.96% | 16.20% | 3.74% |
| Q4 2024 | 11.90% | 1.46% | 0.86% | 7.47% | 3.90% |
| Q3 2024 | 12.00% | 2.66% | 0.73% | 7.91% | 5.11% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Monett Facility | Monett , MO | 65708 | $115.7M |
| First State Bank of the Ozarks (main office) | Purdy , MO | 65734 | $35.9M |
| Cassville Branch | Cassville , MO | 65625 | $33.7M |
| Pierce City Facility | Pierce City , MO | 65723 | $28.2M |
| Monett Wal-Mart Branch | Monett , MO | 65708 | $7.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 21, 1987 | Structure Change | Acquired Citizen's National Bank of Monett/Pierce City, Mo. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it. These actions name the parent holding company, PURDY BANCSHARES, INC., not the bank itself
- May 4, 1993, Federal Reserve: Cease and Desist Order: Purdy Bancshares, Inc., Purdy, MO
- Period: Most recent institution action May 4, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 138 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $828K approved, $828K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, First State Bank of the Ozarks reported total assets of $248.9 million in its FFIEC call report.
Where is First State Bank of the Ozarks headquartered?
It is headquartered in Purdy, MO, United States.
When was First State Bank of the Ozarks founded?
It was established in 1944, per the FDIC institution directory.
Is First State Bank of the Ozarks FDIC-insured?
Yes. It 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.
What is First State Bank of the Ozarks's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.64% in its Q2 2026 call report, above regulatory requirements.
How many branches does First State Bank of the Ozarks operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of the Ozarks's Texas Ratio?
Its Texas Ratio is 13.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First State Bank of the Ozarks previously called?
The charter now named First State Bank of the Ozarks has also operated as First State Bank of Purdy (1977-2026), per FDIC structure-change records.
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