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First State Bank of the Ozarks

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First State Bank of the Ozarks Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank of the Ozarks provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

First State Bank of the Ozarks rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First State Bank of the Ozarks, and you can see how they compare in the First State Bank of the Ozarks rate tables below. MonitorBankRates evaluates the financial stability of First State Bank of the Ozarks with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.28%. Database rates last updated and verified on 09/23/2026.

First State Bank of the Ozarks money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First State Bank of the Ozarks? Share your experience about First State Bank of the Ozarks by leaving a review below, or read customer reviews before you decide to use First State Bank of the Ozarks.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.28%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First State Bank of the Ozarks

100 Kay Ave
Purdy, MO 65734

https://www.fsbozk.com

First State Bank of the Ozarks Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	-	-	5.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 12 debit card purchases; enrolled in and receive eStatements; enrolled in and log into online banking; Balances up to $10,000 earn 5.00% APY; balances over $10,000 earn 0.50% APY. Reimbursements on ATM withdrawal fees nationwide (up to $20 monthly). Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.28%
Kasasa Cash Checking	-	-	0.50%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 12 debit card purchases; enrolled in and receive eStatements; enrolled in and log into online banking; Balances up to $10,000 earn 5.00% APY; balances over $10,000 earn 0.50% APY. Reimbursements on ATM withdrawal fees nationwide (up to $20 monthly). Link to free Kasasa Saver to build savings automatically. No minimum balance to earn rewards. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.28%
Kasasa Cash Checking	-	-	0.05%
Min Deposit $100 Details When qualifications aren't met, nationwide ATM withdrawal fees are not reimbursed and the entire average daily balance earns 0.05% APY. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First State Bank of the Ozarks’s Texas Ratio rose from 11.58% in Q3 2023 to 14.28% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.6 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$249M	14.28%	5.0	A-
March 31, 2026	$243M	18.69%	4.7	B+
December 31, 2025	$239M	9.92%	5.0	A
September 30, 2025	$240M	14.39%	5.0	A-
June 30, 2025	$237M	12.57%	5.0	A
March 31, 2025	$238M	17.75%	4.6	B+
December 31, 2024	$233M	8.18%	4.9	A
September 30, 2024	$239M	8.59%	5.0	A
June 30, 2024	$229M	12.83%	4.6	B+
March 31, 2024	$218M	14.47%	5.0	A-
December 31, 2023	$209M	12.54%	5.0	A
September 30, 2023	$207M	11.58%	4.6	A-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First State Bank of the Ozarks is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First State Bank of the Ozarks rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First State Bank of the Ozarks's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First State Bank of the Ozarks

Bank Holding Company PURDY BANCSHARES INC

Address 100 Kay Ave, Purdy, MO 65734 · Barry

Website https://www.fsbozk.com

FDIC Certificate # 16162

Established 19440619

FDIC Insurance Date 19440620

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.28%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4803%

Return on Equity (ROE) 19.1400%

Non-Performing Loans (NPL) 1.10%

Total Assets $248,896,000

Total Deposits $220,842,000

Equity Capital $19,215,000

Net Income $1,803,000

Headquarters Purdy

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First State Bank of the Ozarks earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/first-state-bank-of-purdy-rates-review-16162">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About First State Bank of the Ozarks

How many branches does First State Bank of the Ozarks operate?

First State Bank of the Ozarks currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First State Bank of the Ozarks does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank of the Ozarks provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank of the Ozarks offer online and mobile banking?

Most modern institutions like First State Bank of the Ozarks provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsbozk.com.