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Heritage Bank of the Ozarks

Lebanon, MO · Cert 57576 · Cornerstone Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$424.0MAssets
$329.4MLoans
$376.9MDeposits
$37.4MEquity
Loan mix
94%RE $292.3M4%C&I $12.0M2%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $311.7M17%Noninterest $65.2MQ2 2025Q2 2026

NIM

5.75%Q2 ’246.16%Q2 ’255.95%Q2 ’26+16%-5%

Non-interest income vs. expense

2.74%Q2 ’242.55%Q2 ’252.75%Q2 ’26-15%+26%

Executive Summary

  • Earnings: ROA of 1.23%, down 34 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 2.74% of loans (+253 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.64%, up 2 bps from a year ago.
  • Funding: loans stand at 87.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.23%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.80%-18 bps YoY

Efficiency Ratio (quarter, annualized)

61.21%+909 bps YoY

Tier 1 Leverage Ratio

9.64%+2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.28%1.04%1.13%1.23%-34 bps
Return on Equity18.78%15.15%12.48%13.27%14.05%-473 bps
Net Interest Margin3.98%3.85%3.77%3.61%3.80%-18 bps
Efficiency Ratio52.12%54.14%55.90%61.33%61.21%+909 bps
Non-Interest Burden1.63%1.74%1.82%2.00%2.05%+42 bps
Growth
Asset Growth (YoY)14.44%13.92%17.26%11.89%8.23%-621 bps
Loan Growth (YoY)14.48%14.01%14.52%13.23%11.27%-320 bps
Deposit Growth (YoY)12.45%13.76%19.80%12.17%9.78%-266 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.21%2.28%3.43%2.74%+253 bps
Net Charge-Offs / Loans0.00%0.02%0.10%0.00%0.02%+2 bps
Allowance / Loans1.17%1.27%1.40%1.42%1.45%+28 bps
Allowance Coverage of NPLs5.4x6.1x0.6x0.4x0.5x-4.9x
Capital
Tier 1 Leverage Ratio9.62%9.32%9.31%9.38%9.64%+2 bps
Total Risk-Based Capital9.62%9.32%9.31%9.38%9.64%+2 bps
Equity / Assets8.44%8.41%8.33%8.67%8.83%+39 bps
Liquidity & Funding
Loans / Deposits86.20%83.53%84.01%86.91%87.38%+117 bps
Liquid Assets / Assets6.85%6.65%5.74%5.93%4.15%-270 bps
CRE / Total Capitaln/a372%368%359%n/an/a