Heritage Bank of the Ozarks: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 3.99%, the biggest move on this page. Heritage Bank of the Ozarks ranks 104th of 192 Missouri banks on net interest margin, in the lower half at 3.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Heritage Bank of the Ozarks reported 3.99% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 6.77% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 4.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.53% | 1.81% | 3.79% | 6.09% | 2.82% |
| Q4 2023 | 5.87% | 1.97% | 3.96% | 6.44% | 2.85% |
| Q1 2024 | 5.93% | 2.49% | 3.54% | 6.51% | 2.79% |
| Q2 2024 | 6.08% | 2.59% | 3.64% | 6.72% | 2.49% |
| Q3 2024 | 6.33% | 2.78% | 3.73% | 6.94% | 3.22% |
| Q4 2024 | 6.34% | 2.74% | 3.77% | 6.97% | 3.03% |
| Q1 2025 | 6.32% | 2.65% | 3.86% | 6.84% | 3.24% |
| Q2 2025 | 6.49% | 2.48% | 4.18% | 7.10% | 3.40% |
| Q3 2025 | 6.38% | 2.56% | 4.02% | 7.10% | 3.24% |
| Q4 2025 | 6.29% | 2.50% | 3.97% | 6.86% | 3.46% |
| Q1 2026 | 6.04% | 2.49% | 3.79% | 6.61% | 3.29% |
| Q2 2026 | 6.26% | 2.50% | 3.99% | 6.77% | 3.40% |
Heritage Bank of the Ozarks yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank of the Ozarks, freeSource: Call Report Schedules RI and RC-K, 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)