First Midwest Bank of the Ozarks: how it compares with its peers
Against 62 MO banks with half to twice its assets, First Midwest Bank of the Ozarks's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 4.16% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $6.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 1.60% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.16% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.38% | 54.86% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.9M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.85% | 89.03% | Context |
What it means for lending operations
Its efficiency ratio of 59.38% is above the 54.86% 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
- HomeBank Palmyra, MO · $733M
- Peoples Community Bank Greenville, MO · $735M
- Town & Country Bank Salem, MO · $748M
- West Plains Bank and Trust Company West Plains, MO · $768M
- Bank of Odessa Odessa, MO · $667M
- MRV Banks Sainte Genevieve, MO · $803M
Questions about First Midwest Bank of the Ozarks
How big is First Midwest Bank of the Ozarks?
First Midwest Bank of the Ozarks, established in 1964, is headquartered in Poplar Bluff, MO. It reported $733M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First Midwest Bank of the Ozarks's return on assets?
1.81% annualized in Q2 2026, against a 1.60% median for 62 MO banks with half to twice its assets, ahead of 60% of them.
What is First Midwest Bank of the Ozarks's efficiency ratio?
59.38% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 54.86%, and lower is better.
Is First Midwest Bank of the Ozarks growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 0.0%.
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.