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First State Bank Of The Ozarks
Purdy, MO · FDIC Certificate #16162 · Chartered 06/1
Total assets
$248.90M
Total deposits
$220.84M
Total equity
$19.21M
Net loans
$175.23M
Branches (offices)
5
Net income (YTD)
$1.80M
Rank: #2,719 of 4,213 U.S. banks by assets · #110 of 190 in Missouri. Assets changed 5.0% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 19.14% |
| Net interest margin (YTD) | 4.36% |
| Equity to assets | 7.72% |
| Tier 1 leverage ratio | 8.09% |
| Uninsured deposits (share of deposits) | 23.4% |
| Noncurrent loans (share of loans) | 1.55% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 72.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $127.02M | 72.5% | |
| Commercial & industrial | $28.73M | 16.4% | |
| Consumer / individual | $1.65M | 0.9% | |
| Construction & development | $9.15M | 5.2% | |
| Agricultural | $18.67M | 10.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $215.67M | $195.92M | $1.09M | $12.68M |
| Jun 2023 | $210.82M | $177.98M | $1.67M | $13.89M |
| Jun 2024 | $229.18M | $205.96M | $1.63M | $15.13M |
| Jun 2025 | $237.03M | $211.59M | $1.64M | $16.99M |
| Jun 2026 | $248.90M | $220.84M | $1.80M | $19.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $220.84M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $220.84M.
Similar-sized banks
Bank Of Easton ($249.00M) · Peoples Bank ($248.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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