First State Bank of the Ozarks: how it compares with its peers
Against 91 MO banks with half to twice its assets, First State Bank of the Ozarks's strongest measure in Q2 2026 is net interest margin (4.36% vs. a 4.06% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.37% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.36% | 4.06% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.67% | 59.76% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.2M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.35% | 83.96% | Context |
What it means for lending operations
Its efficiency ratio of 61.67% is above the 59.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peoples Bank Cuba, MO · $249M
- Community Bank of Marshall Marshall, MO · $250M
- Citizens Bank of Eldon Eldon, MO · $247M
- Bank of Weston Weston, MO · $246M
- Alliant Bank Madison, MO · $256M
- Bank of Grandin Grandin, MO · $241M
Questions about First State Bank of the Ozarks
How big is First State Bank of the Ozarks?
First State Bank of the Ozarks, established in 1944, is headquartered in Purdy, MO. It reported $249M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First State Bank of the Ozarks's return on assets?
1.48% annualized in Q2 2026, against a 1.37% median for 91 MO banks with half to twice its assets, ahead of 57% of them.
What is First State Bank of the Ozarks's efficiency ratio?
61.67% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 59.76%, and lower is better.
Is First State Bank of the Ozarks growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 4.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.