Heritage Bank of the Ozarks
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Data as of · sourced from FFIEC call reports. How we update
Heritage Bank of the Ozarks is an FDIC-insured commercial bank headquartered in Lebanon, MO, established in 2003 (FDIC certificate 57576), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $424.0M, up 8.2% from Q2 2025, the 78th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57576
- Headquarters
- Lebanon, MO
- Established
- 2003
- Total assets, Q2 2026
- $424.0M
- Assets vs Q2 2025
- +8.2%
- Tier 1 leverage ratio, Q2 2026
- 9.64%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081519031
- Latest call report
- Q2 2026, FFIEC 051 · Heritage Bank of the Ozarks call report
- Holding company
- CORNERSTONE BANCSHARES, INC.
- Asset rank in state
- 78th of 191 in Missouri
Problem loans are rising at Heritage Bank of the Ozarks. Based in Lebanon, Missouri, it had $424 million in assets at June 30, 2026, up 8.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.05% of loans from 0.22% a year earlier. It carries problem assets equal to 17.2% of the capital and reserves that would absorb them, 6.5 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.50% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Net income for the quarter slipped 14% from a year earlier, to $1.3 million. Where it has less room is capital: it funds 9.64% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Heritage Bank of the Ozarks reported a return on assets of 1.24%, a nonperforming-loan ratio of 2.74% and a Texas ratio of 17.24%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Heritage Bank of the Ozarks is the 78th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $424.0M, loans rose 1.0% and deposits rose 0.5%. 1-4 family residential loans made up 29.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.1%. The FDIC Summary of Deposits lists 3 offices for it, in Lebanon, MO, Camdenton, MO and Plato, MO; its Lebanon office books 72% of its branch deposits. On its Q2 2026 call report, Heritage Bank of the Ozarks meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1475 S Jefferson Ave, Lebanon, MO 65536
- County
- Laclede
- Metro Area
- Lebanon, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 22, 2003
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $376.9M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $417.7M
- Average total loans
- $328.1M
- Average interest-bearing deposits
- $292.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 22, 2003
- FDIC Cert
- 57576
- Fed RSSD
- 3199811
- SEC CIK
- 1618498 → filed by CORNERSTONE BANCSHARES, INC.
- Parent Holding Company
- CORNERSTONE BANCSHARES, INC. (RSSD 3199820)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Heritage Bank of the Ozarks reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Heritage Bank of the Ozarks's total assets ran between $299.9M (Q3 2023) and $425.9M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$424.0M total assets against $391.7M; $386.5M total liabilities against $358.7M.
$324.6M net loans and leases against $292.5M; $376.9M total deposits against $343.4M.
$47.3M securities against $44.3M; $26.6M cash and balances due against $31.5M.
$6.2M total interest income against $5.8M; $2.3M total interest expense against $2.1M.
$4.0M net interest income against $3.8M.
$723K total noninterest income against $864K; $2.9M total noninterest expense against $2.4M.
$150K provision for credit losses against $260K.
$1.3M net income against $1.5M.
1.24% return on assets against 1.59%; 3.99% net interest margin against 4.18%.
9.64% tier 1 leverage ratio against 9.62%.
Inside the full Heritage Bank of the Ozarks terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Heritage Bank of the Ozarks rankings
Its closest position to the top of a national ranking is 238 of 3,640, for Texas Ratio; its furthest is 1,943 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q4 2025) to 1.59% (Q2 2025) and its net interest margin ran from 3.73% (Q3 2024) to 4.18% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.64% | 1.24% | 2.74% | 17.24% | 3.99% |
| Q1 2026 | 9.38% | 1.14% | 3.43% | 22.98% | 3.79% |
| Q4 2025 | 9.31% | 1.06% | 2.28% | 18.11% | 3.97% |
| Q3 2025 | 9.32% | 1.28% | 0.21% | 1.69% | 4.02% |
| Q2 2025 | 9.62% | 1.59% | 0.22% | 1.78% | 4.18% |
| Q1 2025 | 9.49% | 1.25% | 0.25% | 2.15% | 3.86% |
| Q4 2024 | 9.22% | 1.24% | 0.19% | 1.63% | 3.77% |
| Q3 2024 | 8.75% | 1.19% | 0.16% | 1.43% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heritage Bank of the Ozarks (main office) | Lebanon , MO | 65536 | $272.8M |
| Camdenton Branch | Camdenton , MO | 65020 | $81.0M |
| Plato Branch | Plato , MO | 65552 | $23.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 98 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $187K approved, $187K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Heritage Bank of the Ozarks
What are Heritage Bank of the Ozarks's total assets?
As of the Q2 2026 filing, Heritage Bank of the Ozarks reported total assets of $424.0 million in its FFIEC call report.
Where is Heritage Bank of the Ozarks headquartered?
It is headquartered in Lebanon, MO, United States.
When was Heritage Bank of the Ozarks founded?
It was established in 2003, per the FDIC institution directory.
Is Heritage Bank of the Ozarks FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Bank of the Ozarks?
Heritage Bank of the Ozarks's primary federal regulator is the FDIC.
How many branches does Heritage Bank of the Ozarks operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heritage Bank of the Ozarks's Texas Ratio?
Its Texas Ratio is 17.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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