First State Bank of the Ozarks: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.30 percentage points higher than in Q1 2026, at 68.06%. Within Missouri, First State Bank of the Ozarks is 71st of 192 on return on assets, 1.67% as of Q2 2026, above the middle of the field. First State Bank of the Ozarks reported 1.67% on return on assets for Q2 2026, 0.41 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.64% |
| Tier 1 risk-based capital ratio | 11.64% |
| Total risk-based capital ratio | 12.72% |
| Tier 1 leverage ratio | 8.09% |
| Equity capital to assets | 7.72% |
| Tangible equity to tangible assets | 7.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.55% |
| Non-performing assets ratio | 1.10% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 13.01% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 68.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 22.42% |
| Net interest margin | 4.26% |
| Efficiency ratio | 57.96% |
| Yield on earning assets | 6.06% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.19% |
| Core deposits to total deposits | 92.57% |
| Brokered deposits to total deposits | 1.62% |
| Deposits to assets | 88.73% |
| Securities to assets | 14.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.31% | 11.31% | 12.38% | 8.13% | 1.38% |
| Q4 2023 | 11.12% | 11.12% | 12.22% | 8.23% | 1.25% |
| Q1 2024 | 11.88% | 11.88% | 13.01% | 8.12% | 1.82% |
| Q2 2024 | 11.56% | 11.56% | 12.54% | 7.75% | 1.11% |
| Q3 2024 | 12.00% | 12.00% | 12.98% | 7.89% | 2.66% |
| Q4 2024 | 11.90% | 11.90% | 12.91% | 7.70% | 1.46% |
| Q1 2025 | 12.00% | 12.00% | 13.06% | 7.55% | 1.12% |
| Q2 2025 | 12.47% | 12.47% | 13.46% | 7.82% | 1.58% |
| Q3 2025 | 12.25% | 12.25% | 13.26% | 7.94% | 1.13% |
| Q4 2025 | 12.03% | 12.03% | 13.04% | 7.98% | 1.28% |
| Q1 2026 | 11.53% | 11.53% | 12.56% | 8.15% | 1.18% |
| Q2 2026 | 11.64% | 11.64% | 12.72% | 8.09% | 1.67% |
First State Bank of the Ozarks vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of the Ozarks, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16162) · FFIEC NIC profile (RSSD 400057)