Bank Comparison
Bank of Franklin County vs Heritage Bank of the Ozarks
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Franklin County | Heritage Bank of the Ozarks |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.54% | 9.38% |
| Equity / Assets | 8.87% | 8.67% |
Profitability
| Metric | Bank of Franklin County | Heritage Bank of the Ozarks |
|---|---|---|
| Return on Assets (ROA) | 0.71% | 1.14% |
| Return on Equity (ROE) | 8.10% | 13.27% |
| Net Interest Margin (NIM) | 3.61% | 3.79% |
| Yield on Earning Assets | 5.73% | 6.04% |
| Cost of Funds | 2.23% | 2.36% |
Asset quality
| Metric | Bank of Franklin County | Heritage Bank of the Ozarks |
|---|---|---|
| Texas Ratio | 4.38% | 28.66% |
| Non-Performing Loan Ratio | 0.24% | 3.43% |
| Non-Performing Asset Ratio | 0.34% | 2.76% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.24% | 1.42% |
Balance sheet
| Metric | Bank of Franklin County | Heritage Bank of the Ozarks |
|---|---|---|
| Total Assets | $416,446K | $420,558K |
| Total Deposits | $349,565K | $375,149K |
| Total Loans | $343,479K | $326,048K |
| Total Equity | $36,938K | $36,480K |
| Net Income (quarter) | $744 | $1,194K |
Liquidity & funding
| Metric | Bank of Franklin County | Heritage Bank of the Ozarks |
|---|---|---|
| Loan-to-Deposit Ratio | 98.26% | 86.91% |
| Core Deposit Ratio | 93.97% | 87.50% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Franklin County | Heritage Bank of the Ozarks |
|---|---|---|
| Headquarters City | WASHINGTON | LEBANON |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 76 | 61 |
| Established | Aug. 28, 2000, midnight | Sept. 22, 2003, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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