Bank Safety Analysis
Is Heritage Bank of the Ozarks Safe?
Heritage Bank of the Ozarks meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Noncurrent loans to total loans dropped 0.59 percentage points in Q2 2026, from 3.43% to 2.84%. It was the largest change from Q1 2026 among the key lines here. Heritage Bank of the Ozarks ranks 133rd of 192 Missouri banks on leverage ratio, in the lower half at 9.64% (Q2 2026). Heritage Bank of the Ozarks reported 9.64% on leverage ratio for Q2 2026, 1.28 points below the 10.92% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Heritage Bank of the Ozarks's Texas ratio ranged between 2.54% (Q3 2024) and 28.66% (Q1 2026). Compared with Q2 2025, Heritage Bank of the Ozarks's noncurrent loans to total loans from 0.33% to 2.84%, Texas ratio from 2.69% to 23.52%, return on assets from 1.59% to 1.24% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.64% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.64% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.84% are elevated; merits closer attention.
Texas Ratio of 23.5% is well below the 100% historical failure threshold.
Efficiency ratio of 61.0% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 23.52% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.84% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 87.38% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 204.19% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.01% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 23.52% |
| Q1 2026 | 28.66% |
| Q4 2025 | 18.77% |
| Q3 2025 | 2.55% |
| Q2 2025 | 2.69% |
| Q1 2025 | 3.13% |
| Q4 2024 | 2.65% |
| Q3 2024 | 2.54% |
| Q2 2024 | 4.46% |
| Q1 2024 | 5.64% |
| Q4 2023 | 6.06% |
| Q3 2023 | 4.85% |
Heritage Bank of the Ozarks by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 2.84% | 23.52% | 1.24% |
| Mar 31, 2026 | — | 3.43% | 28.66% | 1.14% |
| Dec 31, 2025 | — | 2.30% | 18.77% | 1.06% |
| Sep 30, 2025 | — | 0.31% | 2.55% | 1.28% |
| Jun 30, 2025 | — | 0.33% | 2.69% | 1.59% |
| Mar 31, 2025 | — | 0.36% | 3.13% | 1.25% |
| Dec 31, 2024 | — | 0.30% | 2.65% | 1.24% |
| Sep 30, 2024 | — | 0.28% | 2.54% | 1.19% |
| Jun 30, 2024 | — | 0.49% | 4.46% | 0.99% |
| Mar 31, 2024 | — | 0.59% | 5.64% | 0.87% |
| Dec 31, 2023 | — | 0.59% | 6.06% | 0.98% |
| Sep 30, 2023 | — | 0.51% | 4.85% | 0.92% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Heritage Bank of the Ozarks FDIC insured?
Yes. Heritage Bank of the Ozarks is an FDIC-insured commercial bank (FDIC Certificate #57576). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Heritage Bank of the Ozarks well capitalized?
Yes. Heritage Bank of the Ozarks reports a Community Bank Leverage Ratio of 9.64%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Heritage Bank of the Ozarks's nonperforming loan ratio?
As of the most recent call report, Heritage Bank of the Ozarks's nonperforming loan ratio is 2.84%. Nonperforming loans at 2.84% are elevated; merits closer attention.
What is Heritage Bank of the Ozarks's Texas Ratio?
Heritage Bank of the Ozarks's Texas Ratio is 23.52%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 57576) · FFIEC NIC profile (RSSD 3199811)
Explore: Full Heritage Bank of the Ozarks profile · Other banks in MO · Metric glossary · How the call report works