First State Bank of the Ozarks: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First State Bank of the Ozarks is a locally rooted FDIC-insured community bank based in Purdy, MO. The Q2 2026 balance sheet stands at $249M in assets, including $177M in loans. Capital cushions are healthy: 11.64% CET1, 8.09% Tier 1 leverage. The bank posts a strong 1.67% ROA and 22.42% ROE. Credit conditions bear watching: 1.55% NPL ratio with a 13.01% Texas Ratio (elevated but below the 100% concern level). It operates 5 branches, primarily in Missouri.
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%, a Texas ratio of 13.01%, per financial data filed with the FFIEC.
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)
- Offices
- 5 domestic
- Employees (FTE)
- 45
- Domestic deposits
- $220.8M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $25K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First State Bank of the Ozarks terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 11.64% | 1.67% | 1.55% | 13.01% | 4.26% |
| Q1 2026 | 11.53% | 1.18% | 1.83% | 17.10% | 4.15% |
| Q4 2025 | 12.03% | 1.28% | 1.15% | 9.31% | 4.17% |
| Q3 2025 | 12.25% | 1.13% | 1.67% | 13.45% | 4.00% |
| Q2 2025 | 12.47% | 1.58% | 1.42% | 11.78% | 4.02% |
| Q1 2025 | 12.00% | 1.12% | 1.63% | 16.40% | 3.74% |
| Q4 2024 | 11.90% | 1.46% | 0.88% | 7.69% | 3.90% |
| Q3 2024 | 12.00% | 2.66% | 0.56% | 8.12% | 5.11% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| 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
What the public regulatory sources show for First State Bank of the Ozarks, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 11.64% in its Q2 2026 call report, above regulatory requirements.
How many branches does First State Bank of the Ozarks operate?
First State Bank of the Ozarks 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?
First State Bank of the Ozarks's Texas Ratio is 13.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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