Heritage Bank of the Ozarks: Non-Performing Assets Ratio
Data as of · sourced from FFIEC call reports. How we update
Heritage Bank of the Ozarks reported a non-performing assets ratio of 2.30% as of Q2 2026, ranking #207 of 3,653 U.S. banks (94th percentile). The NPA ratio extends NPL to include other real estate owned (OREO), the full picture of distressed assets relative to the bank's size.
12-Quarter Trend
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What is the Non-Performing Assets Ratio?
The NPA ratio extends NPL to include other real estate owned (OREO) (property the bank has foreclosed on) as a percentage of total assets. It captures the full picture of distressed assets, not just distressed loans.
Most community banks report NPA between 0.2% and 1%. Spikes are usually CRE-driven (commercial real estate downturns produce OREO in waves). Compare NPA to NPL: if NPA materially exceeds NPL, the bank is sitting on foreclosed property.
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What is Heritage Bank of the Ozarks's Non-Performing Assets Ratio?
Heritage Bank of the Ozarks's Non-Performing Assets Ratio was 2.30% as of Q2 2026, ranking #207 of 3,653 U.S. banks.
What is the Non-Performing Assets Ratio?
The NPA ratio extends NPL to include other real estate owned (OREO) (property the bank has foreclosed on) as a percentage of total assets. It captures the full picture of distressed assets, not just distressed loans.
More Heritage Bank of the Ozarks metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Heritage Bank of the Ozarks profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 57576) · FFIEC NIC profile (RSSD 3199811)