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Heritage Bank Of The Ozarks
Lebanon, MO · FDIC Certificate #57576 · Chartered 09/2
Total assets
$423.97M
Total deposits
$376.94M
Total equity
$37.43M
Net loans
$324.59M
Branches (offices)
3
Net income (YTD)
$2.49M
Rank: #1,982 of 4,213 U.S. banks by assets · #78 of 190 in Missouri. Assets changed 8.2% and deposits 9.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 13.67% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 8.83% |
| Tier 1 leverage ratio | 9.64% |
| Uninsured deposits (share of deposits) | 23.3% |
| Noncurrent loans (share of loans) | 2.74% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 91.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $296.73M | 91.4% | |
| Commercial & industrial | $11.81M | 3.6% | |
| Consumer / individual | $6.48M | 2.0% | |
| Construction & development | $49.03M | 15.1% | |
| Agricultural | $10.44M | 3.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $255.74M | $232.73M | $1.50M | $20.54M |
| Jun 2023 | $295.79M | $260.04M | $1.12M | $22.41M |
| Jun 2024 | $342.29M | $305.35M | $1.49M | $26.01M |
| Jun 2025 | $391.73M | $343.36M | $2.63M | $33.07M |
| Jun 2026 | $423.97M | $376.94M | $2.49M | $37.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $376.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $376.94M.
Similar-sized banks
First State Bank ($424.16M) · River City Bank ($423.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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