First Mw Bank of the Ozarks
Poplar Bluff, Missouri · FDIC Cert #19212
This is the FDIC profile for First Mw Bank of the Ozarks, an FDIC-insured bank (Certificate #19212) with $712M in total assets and $618M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Poplar Bluff, Missouri, the bank maintains a Tier 1 capital ratio of 10.69% (Well-Capitalized) and a nonperforming loan ratio of 0.94%. BankHealthData assigns a composite Health Grade of C (64/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Mw Bank of the Ozarks (FDIC cert 19212) is a community bank — $712M in total assets, $618M in deposits, serving the Poplar Bluff, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.69% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.94% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.68% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Mw Bank of the Ozarks carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Mw Bank of the Ozarks
- Total Assets
- $712M
- Total Deposits
- $618M
- Tier 1 Capital Ratio
- 10.69%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.94%
- Liquidity Ratio
- 12.19%
- Return on Assets
- 1.68%
- Headquarters
- Poplar Bluff, Missouri
- FDIC Certificate
- #19212
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Mw Bank of the Ozarks files quarterly Call Reports with the FDIC under Certificate #19212. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track First Mw Bank of the Ozarks
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, First Mw Bank of the Ozarks holds a Tier 1 capital ratio of 10.69%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Mw Bank of the Ozarks has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Mw Bank of the Ozarks shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Mw Bank of the Ozarks Compares
First Mw Bank of the Ozarks’s Health Score of 64 is 15 points below the Missouri state average of 79 across 193 FDIC-insured banks. Its 10.69% Tier 1 capital ratio is 3.3 points below the US banking industry average near 14%. The 0.94% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.68% is in line with or above the national ROA benchmark of ~1.1%. Among 1251 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, First Mw Bank of the Ozarks is 16 points below the portfolio average of 80.
Frequently Asked Questions
First Mw Bank of the Ozarks has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.69%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Mw Bank of the Ozarks's Tier 1 capital ratio of 10.69% and nonperforming loan ratio of 0.94% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Mw Bank of the Ozarks is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19212). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Mw Bank of the Ozarks holds $712M in total assets and $618M in total deposits. It is headquartered in Poplar Bluff, Missouri (FDIC Certificate #19212).
First Mw Bank of the Ozarks's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #19212 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Mw Bank of the Ozarks has a Tier 1 capital ratio of 10.69%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.94%, and the return on assets is 1.68%.
Yes. First Mw Bank of the Ozarks is FDIC-insured (Certificate #19212). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Mw Bank of the Ozarks's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.