BlastPoint's Banking Scorecard
First State Bank of the Ozarks
Purdy, MO
5 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +4.4% year over year ($220.8M on the books).
- Delinquency rate 1.57%.
- Return on assets 1.48%.
- Efficiency ratio 61.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of the Ozarks has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.38% above tier average
- + Efficiency Ratio 2.81% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$248.9M
+5.0% YoY
+2.5% QoQ
|
-$137.7M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$175.2M
+15.3% YoY
+2.3% QoQ
|
-$83.1M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$220.8M
+4.4% YoY
+2.7% QoQ
|
-$105.9M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.48%
+6.4% YoY
+21.6% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
4.36%
+10.6% YoY
+1.5% QoQ
|
+0.38% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
61.67%
-3.6% YoY
-5.3% QoQ
|
-2.81% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
1.57%
+11.3% YoY
-24.3% QoQ
|
+0.65% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
79.35%
+10.5% YoY
-0.3% QoQ
|
+1.40% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
28.21%
-8.1% YoY
+5.3% QoQ
|
+6.18% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.10%
+22.3% YoY
-24.5% QoQ
|
+0.43% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.64%
-6.7% YoY
+1.0% QoQ
|
-4.27% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.21%
-26.9% YoY
+93.5% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.2%
-2.5pp YoY +1.4pp QoQ |
+6.1pp | 22.1% | 20.9% | 22.2% | 76% |
| Brokered Deposits |
1.6%
-1.1pp YoY 0.0pp QoQ |
-6.2pp | 7.9% | 7.4% | 8.5% | 26% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.4%
-2.1pp YoY +0.7pp QoQ |
+4.8pp | 11.6% | 12.3% | 12.5% | 80% |
| CRE |
29.0%
-0.9pp YoY -0.8pp QoQ |
-10.6pp | 39.5% | 36.8% | 41.4% | 33% |
| 1-4 Family |
23.0%
+0.8pp YoY +1.7pp QoQ |
-9.6pp | 32.6% | 31.9% | 31.3% | 36% |
| Consumer |
0.9%
-0.3pp YoY 0.0pp QoQ |
-3.2pp | 4.1% | 4.1% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.6%
-0.8pp YoY +0.1pp QoQ |
-7.2pp | 18.8% | 18.5% | 19.7% | 13% |
| Leverage Ratio |
8.1%
+0.3pp YoY -0.1pp QoQ |
-4.1pp | 12.2% | 11.6% | 12.6% | 3% |
| Total Capital Ratio |
12.7%
-0.7pp YoY +0.2pp QoQ |
-7.2pp | 19.9% | 19.6% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
0 YoY -5 (-10.0%) QoQ |
-14 | 58 | 162 | 482 | 47% |
| Assets per Employee ($) |
$5.5M
+5.0% YoY +13.9% QoQ |
-$2.0M | $7.5M | $8.0M | $8.8M | 23% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.6%
+0.2pp YoY -0.3pp QoQ |
+0.6pp | 0.9% | 0.8% | 1.0% | 83% |
| Allowance Coverage |
0.68x
+0.2% YoY +36.6% QoQ |
-23.47x | 24.15x | 10.47x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.1%
-0.8pp YoY +3.4pp QoQ |
+6.9pp | 12.2% | 14.3% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 63% |
| Net Income ($, YTD) |
$1.8M
+9.9% YoY — QoQ |
-$752K | $2.6M | $11.3M | $40.4M | 48% |
Get Full Access to First State Bank of the Ozarks
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.