Heritage Bank of the Ozarks: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank of the Ozarks of Lebanon, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.24% | 1.34% | -0.10% | 48th below |
| ROAE | 14.05% | 13.31% | +0.74% | 60th above |
| Net Interest Margin | 3.99% | 3.93% | +0.06% | 53rd above |
| Efficiency Ratio | 61.01% | 61.14% | -0.13% | 51st above |
| PPNR / Avg Assets | 1.74% | 1.68% | +0.06% | 59th above |
| Yield on Earning Assets | 6.26% | 5.67% | +0.59% | 79th top |
| Cost of Funds | 2.50% | 1.88% | +0.62% | 15th bottom |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.84% | 0.94% | +1.90% | 7th bottom |
| NPA / Total Assets | 2.30% | 0.70% | +1.60% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) | 50.94% | 1539.34% | -1488.40% | 11th bottom |
| Texas Ratio | 23.52% | 7.33% | +16.19% | 6th bottom |
| Provision / NCO | 1722.22% | 1395.28% | +326.94% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.64% | 12.14% | -2.50% | 24th bottom |
| Equity / Assets | 8.83% | 11.38% | -2.55% | 25th below |
| TCE / Tangible Assets | 8.69% | 11.09% | -2.40% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.38% | 80.63% | +6.75% | 34th below |
| Core Deposit Ratio | 84.70% | 86.86% | -2.16% | 29th below |
| Wholesale Funding Ratio | 0.75% | 5.04% | -4.29% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.23% | 6.85% | +1.38% | 76th top |
| Loan Growth (Y/Y) | 11.27% | 7.90% | +3.37% | 77th top |
| Deposit Growth (Y/Y) | 9.78% | 6.29% | +3.49% | 82nd top |
See Heritage Bank of the Ozarks's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank of the Ozarks, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heritage Bank of the Ozarks profile, how to read a UBPR, or how this data updates.