First State Bank of the Ozarks: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of the Ozarks of Purdy, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.67% | 1.34% | +0.33% | 72nd above |
| ROAE | 22.42% | 13.31% | +9.11% | 92nd top |
| Net Interest Margin | 4.26% | 3.93% | +0.33% | 68th above |
| Efficiency Ratio | 57.96% | 61.14% | -3.18% | 60th above |
| PPNR / Avg Assets | 1.82% | 1.68% | +0.14% | 64th above |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 42nd below |
| Net Interest Spread | 3.42% | 3.32% | +0.10% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.55% | 0.94% | +0.61% | 18th bottom |
| NPA / Total Assets | 1.10% | 0.70% | +0.40% | 18th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| ACL / NPLs (Coverage) | 68.06% | 1539.06% | -1471.00% | 17th bottom |
| Texas Ratio | 13.01% | 7.33% | +5.68% | 16th bottom |
| Provision / NCO | 1200.00% | 1395.56% | -195.56% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.64% | 19.51% | -7.87% | 14th bottom |
| Tier 1 Ratio | 11.64% | 19.54% | -7.90% | 13th bottom |
| Total Capital Ratio | 12.72% | 20.62% | -7.90% | 13th bottom |
| Leverage Ratio | 8.09% | 12.14% | -4.05% | 3rd bottom |
| Equity / Assets | 7.72% | 11.38% | -3.66% | 11th bottom |
| TCE / Tangible Assets | 7.72% | 11.09% | -3.37% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.19% | 80.64% | -0.45% | 51st above |
| Core Deposit Ratio | 92.57% | 86.86% | +5.71% | 71st above |
| Wholesale Funding Ratio | 3.11% | 5.03% | -1.92% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.01% | 6.85% | -1.84% | 55th above |
| Loan Growth (Y/Y) | 15.46% | 7.90% | +7.56% | 87th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.37% | 6.29% | -1.92% | 53rd above |
See First State Bank of the Ozarks's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of the Ozarks, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First State Bank of the Ozarks profile, how to read a UBPR, or how this data updates.