Bank · FDIC insured
First State Bank of the Ozarks
A $248.9M bank headquartered in Purdy, MO, with 5 branches in Missouri.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings680.05%1.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank of the Ozarks
Founded in 1944, First State Bank of the Ozarks serves families, businesses, and farms across Southwest Missouri with five convenient locations.
The institution has remained family-owned for over 50 years, offering specialized solutions including agriculture lending for local farmers, mortgage loans, and business financing.
- Headquarters
- 100 Kay Ave, Purdy, MO 65734
- FDIC certificate
- 16162 ↗
Branches
5 branches in Missouri
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Missouri
5 branches
Monett area · 2
- Monett Facility106 E Cleveland Ave, Monett, MO 65708Directions
- Monett Wal-Mart Branch885 E Highway 60, Monett, MO 65708Directions
Purdy area · 1
- First State Bank of the OzarksMain office100 Kay Ave, Purdy, MO 65734Directions
Cassville area · 1
- Cassville Branch98 Main St, Cassville, MO 65625Directions
Pierce City area · 1
- Pierce City Facility100 N Elm St, Pierce City, MO 65723Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.09% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.55% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.48% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio8.09%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.55%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.48%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank of the Ozarks are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.