HERITAGE BANK OF THE OZARKS

LEBANON, MO | Small | Est. Sept. 22, 2003, midnight | FDIC #57576 | RSSD #3199811 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK OF THE OZARKS is asn small FDIC-insured commercial bank headquartered in LEBANON, MO, established in Sept. 22, 2003, midnight. As of 2025-12-31, the bank reported total assets of $426M and total deposits of $381M. Profitability stands at 1.04% ROA and 12.48% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 8.05%. Asset quality metrics show a non-performing loan ratio of 2.28% and a Texas Ratio of 18.29%. FDIC Certificate #57576.

Assets

$426M

Deposits

$381M

Loans

$320M

Equity

$35M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 12.48%
Net Interest Margin (NIM) 4.02%
Yield on Assets 6.37%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 2.28%
Net Charge-Off Ratio 0.03%
Texas Ratio 18.29%
NPA Ratio 1.72%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 8.05%
Tier 1 Capital 8.05%
Total Capital Ratio 8.45%
Leverage Ratio 9.31%
Loan-to-Deposit 84.01%

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