Heritage Bank of the Ozarks
Lebanon, MO · Cert 57576 · Peer group: banks under $1B in assets in MO (n=82-83) · Cornerstone Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$424.0MAssets
$329.4MLoans
$376.9MDeposits
$37.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 65% of banks under $1B in assets in MO (rank 30 of 82).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in MO (rank 78 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.18%
Rank 49 of 83
Net Interest Margin
3.71%
Rank 51 of 83
Efficiency Ratio
61.31%
Rank 50 of 83
Equity / Assets
8.83%
Rank 63 of 83
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 41% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.96% | 1.32% | 1.75% | Beats 41% | 49 / 83 | |
| Return on Equity | 13.31% | 9.66% | 12.96% | 15.76% | Beats 52% | 40 / 83 | |
| Net Interest Margin | 3.71% | 3.35% | 3.85% | 4.16% | Beats 39% | 51 / 83 | |
| Efficiency Ratio | 61.31% | 49.83% | 58.83% | 68.51% | Beats 41% | 50 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.74% | 0.08% | 0.51% | 1.01% | Beats 7% | 77 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 65% | 30 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 9.64% | 11.01% | 12.49% | 14.98% | Beats 7% | 77 / 83 | |
| Total Risk-Based Capital Ratio | 9.64% | 11.13% | 13.01% | 15.10% | Beats 6% | 78 / 83 | |
| Equity / Assets | 8.83% | 8.83% | 10.71% | 13.29% | Beats 24% | 63 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 87.38% | 69.28% | 83.22% | 91.21% | 65th pctl | 29 / 82 | |
| Loans / Assets | 77.68% | 59.34% | 71.15% | 78.36% | 71st pctl | 24 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |