Heritage Bank of the Ozarks

BankLebanon, Missouri
http://www.heritagebankozarks.com

Total Assets

$425.9M

Total Deposits

$381.4M

Branches

3

Established

2003

TFS Health Grade

$
D

66.2 / 100

Below average financial health

How we grade

Heritage Bank of the Ozarks is a bank headquartered in Lebanon, Missouri, established in 2003. With $425.9M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (66.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.31%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.28%

Profitability

Return on Assets (ROA)
1.27%(1%)
Return on Equity (ROE)
15.28%(10%)
Net Interest Margin
4.03%
Efficiency Ratio
55.30%(60%)

Lending & Liquidity

Total Loans
$320.4M
Loan-to-Deposit Ratio
82.84%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+17.26%
Deposit Growth (YoY)
+19.80%
Net Income
$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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