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First Community Bank of the Ozarks

First Community Bank of the Ozarks
Overview / Commentary
121 South Commercial Street
Branson, MO 65616

First Community Bank of the Ozarks is headquartered in Branson and is the 194th largest bank in the state of Missouri. It is also the 4,703rd largest bank in the nation. It was established in 1993 and as of March of 2014, it had grown to 33 employees at 4 locations. First Community Bank of the Ozarks has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Community Bank of the Ozarks had $929,000 in non-current loans and owned real-estate with $8.52 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of the Ozarks a Texas Ratio of 10.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for First Community Bank of the Ozarks decreased dramatically from 36.56% as of March 31, 2013 to 10.91% as of March 31, 2014, resulting in a positive change of 70.16%.This indicates that the balance sheet and financial strength for First Community Bank of the Ozarks has improved dramatically in recent periods.

Deposit Growth

GRADE:
B

In the past year, First Community Bank of the Ozarks has increased its total deposits by $813,000, resulting in 1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Community Bank of the Ozarks has shown is above average.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Community Bank of the Ozarks has $100.89 million in assets with $8.52 million in equity, resulting in a capitalization level of 8.44%, which is average.

Institution Statistics

Overall
FDIC Certificate #33832
Year Established1993
Employees33
Primary RegulatorFDIC
Assets and Liabilities
Assets$100.89 million
Loans$49.37 million
Deposits$82.42 million
Equity Capital$8.07 million
Loan Loss Allowance$449,000
Unbacked Noncurrent Loans$790,000
Real Estate Owned$139,000
Historic Data - March 2013
Assets$95.76 million
Equity Capital$8.73 million
Loan Loss Allowance$214,000
Unbacked Noncurrent Loans$790,000
Real Estate Owned$394,000
Profit Margin - Quarterly
Net Interest Margin3.59%
Return on Assets-0.32%
Return on Equity-4.02%
Interest Income$932,000
Rates

Sorry, we do not have rate data for First Community Bank of the Ozarks

Locations


First Community Bank of the Ozarks Locations
First Community Bank Of The Ozarks121 South Commercial StreetBranson, MO 65616
First Community Bank Of The Ozarks - Hollister Bra125 Financial DriveHollister, MO 65672
Forsyth Branch15261 U.S. Highway 160Forsyth, MO 65653
First Community Bank Of The Ozarks - 248 Branch Fa931 State Highway 248Branson, MO 65616