Heritage Bank of the Ozarks: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 19.69 percentage points lower than in Q1 2026, at 204.19%. Within Missouri, Heritage Bank of the Ozarks is 84th of 192 on loan-to-deposit ratio, 87.38% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Heritage Bank of the Ozarks sits 6.54 points higher, at 87.38% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $329.4M |
| Net loans and leases | $324.6M |
| Loans held for sale | $314K |
| Loans to total assets | 77.68% |
| Loan-to-deposit ratio | 87.38% |
| Net loans to equity capital | 8.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.27% |
| Multifamily (5+ residential) | 3.65% |
| Commercial and industrial | 3.59% |
| Consumer | 1.97% |
| Credit cards | 0.00% |
| Farm | 18.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.19% |
| Construction concentration (Tier 1 capital + allowance) | 109.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.77% |
| Interest income on loans | $5.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $229.4M | $268.3M | 22.14% | 4.99% | 3.21% |
| Q4 2023 | $243.0M | $274.1M | 21.74% | 5.20% | 3.14% |
| Q1 2024 | $248.6M | $284.4M | 21.54% | 4.80% | 3.00% |
| Q2 2024 | $258.6M | $305.4M | 22.23% | 4.60% | 2.93% |
| Q3 2024 | $269.1M | $322.8M | 22.60% | 4.01% | 2.83% |
| Q4 2024 | $279.8M | $318.4M | 22.18% | 3.99% | 2.89% |
| Q1 2025 | $288.0M | $334.5M | 23.24% | 4.33% | 2.68% |
| Q2 2025 | $296.0M | $343.4M | 23.66% | 3.55% | 2.70% |
| Q3 2025 | $306.8M | $367.3M | 23.82% | 3.49% | 2.40% |
| Q4 2025 | $320.4M | $381.4M | 23.38% | 3.46% | 2.30% |
| Q1 2026 | $326.0M | $375.1M | 22.76% | 3.68% | 2.13% |
| Q2 2026 | $329.4M | $376.9M | 24.27% | 3.59% | 1.97% |
Heritage Bank of the Ozarks loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank of the Ozarks, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heritage Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57576) · FFIEC NIC profile (RSSD 3199811)