First State Bank of the Ozarks on Your Credit Report
In short: Headquartered in Purdy, Missouri, First State Bank of the Ozarks is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 16162 dates to June 19, 1944 — a mid-century charter that predates the FCRA. At the 06/30/2026 reporting date the bank showed $249 million in total assets and 5 FDIC-reported offices. Because First State Bank of the Ozarks originates these accounts rather than buying them, it is the furnisher of record — you can dispute through §623 directly or §611 via the bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First State Bank of the Ozarks actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of the Ozarks carries FDIC certificate 16162, operates 5 FDIC-reported offices and reported $249 million in assets on its most recent call report in Purdy, Missouri.
How First State Bank of the Ozarks appears on your credit report
Because First State Bank of the Ozarks originated the account, it furnishes the tradeline directly and holds the original file. First State Bank of the Ozarks is Missouri-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Send it in writing, identify precisely which field is wrong, and run the §611 bureau dispute in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and personal installment credit written at its 5 Missouri offices
- ◆Home-equity lines and residential mortgages originated near Purdy
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute a First State Bank of the Ozarks entry
Each of these is a reason a First State Bank of the Ozarks tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Purdy posted after the due date and reported 30 days late
- ◆Paid-in-full First State Bank of the Ozarks loan continuing to report an outstanding balance
- ◆One First State Bank of the Ozarks obligation appearing as two tradelines after a core-system conversion
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First State Bank of the Ozarks is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First State Bank of the Ozarks has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First State Bank of the Ozarks a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First State Bank of the Ozarks questions, answered
Does the FDIC insure deposits at First State Bank of the Ozarks?
It is insured, and certificate 16162 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Purdy, MO, chartered June 19, 1944, reporting $249 million and 5 offices as of 06/30/2026.
My dispute with First State Bank of the Ozarks failed — who do I complain to?
First State Bank of the Ozarks answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The First State Bank of the Ozarks head office in Purdy is the right address for the written record.
Does the CFPB complaint database list First State Bank of the Ozarks?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for First State Bank of the Ozarks, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
When does a First State Bank of the Ozarks charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying First State Bank of the Ozarks account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with First State Bank of the Ozarks and disputing with a collector?
Go to whoever holds the documents. First State Bank of the Ozarks has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First State Bank of the Ozarks tends to produce a substantive answer rather than a rubber-stamp verification.
Does First State Bank of the Ozarks furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and First State Bank of the Ozarks, with 5 offices around Purdy, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
I see duplicate First State Bank of the Ozarks tradelines — is that allowed?
Duplicates of this kind usually trace to a data migration. With a charter running back to 1944, First State Bank of the Ozarks has likely changed core processors at least once, and old and new records can both survive. A predecessor name is acceptable; two live balances for one debt is not — dispute it and cite both entries.
Do I need to hire someone to dispute a First State Bank of the Ozarks entry?
No payment is required. Writing to the bureaus under §611 or to First State Bank of the Ozarks under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Does it matter that First State Bank of the Ozarks is based in Purdy?
First State Bank of the Ozarks is headquartered in Purdy, Missouri, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First State Bank of the Ozarks; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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