Headquartered in Lebanon, Missouri, Heritage Bank of the Ozarks is a state-chartered bank with $424.0M in total assets and $376.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 2003.
Based on its Q2 2026 filing, Heritage Bank of the Ozarks scores 45/100, which we describe as below average. That is higher than only 4% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 188th. Its strongest component is earnings (67/100; 1.18%), and its lowest is loan quality (9/100; 2.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 26 points (71 → 45), mostly because the loan quality component weakened by 84 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 67 |
| Q4 2024 | 68 |
| Q1 2025 | 69 |
| Q2 2025 | 71 |
| Q3 2025 | 70 |
| Q4 2025 | 49 |
| Q1 2026 | 41 |
| Q2 2026 | 45 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.10% |
| Q3 2024 | 8.75% |
| Q4 2024 | 9.22% |
| Q1 2025 | 9.49% |
| Q2 2025 | 9.62% |
| Q3 2025 | 9.32% |
| Q4 2025 | 9.31% |
| Q1 2026 | 9.38% |
| Q2 2026 | 9.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.21% |
| Q4 2025 | 2.28% |
| Q1 2026 | 3.43% |
| Q2 2026 | 2.74% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $424.0M | 9.64% | 2.74% | 1.18% | 86.1% |
| Q1 2026 | 41 | $420.6M | 9.38% | 3.43% | 1.13% | 85.7% |
| Q4 2025 | 49 | $425.9M | 9.31% | 2.28% | 1.27% | 82.8% |
| Q3 2025 | 70 | $411.4M | 9.32% | 0.21% | 1.35% | 82.5% |
| Q2 2025 | 71 | $391.7M | 9.62% | 0.22% | 1.39% | 85.2% |
| Q1 2025 | 69 | $375.9M | 9.49% | 0.25% | 1.22% | 85.1% |
| Q4 2024 | 68 | $363.2M | 9.22% | 0.19% | 1.08% | 86.9% |
| Q3 2024 | 67 | $361.2M | 8.75% | 0.16% | 1.01% | 82.4% |
| Q2 2024 | 65 | $342.3M | 9.10% | 0.36% | 0.92% | 83.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Franklin CountyBank Washington, MO | 65 out of 100, Moderate | $419.4M | 9.5% | 0.27% | vs |
| MA BankBank Macon, MO | 65 out of 100, Moderate | $417.3M | 9.5% | 0.96% | vs |
| Branson BankBank Branson, MO | 66 out of 100, Moderate | $414.1M | 9.2% | 0.60% | vs |
| Central Bank of Kansas CityBank Kansas City, MO | 82 out of 100, Strong | $410.2M | 11.9% | 0.13% | vs |
| Community Bank and TrustBank Neosho, MO | 72 out of 100, Strong | $445.1M | 8.4% | 0.13% | vs |
| Pony Express BankBank Braymer, MO | 76 out of 100, Strong | $399.5M | 10.2% | 0.17% | vs |
Deposit insurance
Is my money safe at Heritage Bank of the Ozarks?
Yes. Heritage Bank of the Ozarks is an FDIC-insured institution (FDIC certificate #57576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.3% of deposits ($88.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Heritage Bank of the Ozarks lists 3 offices in 3 cities. Most locations:
- Camdenton, MO (1)
- Lebanon, MO (1)
- Plato, MO (1)
Identity & history
Profile
- Legal name
- Heritage Bank of the Ozarks
- Type
- State-chartered bank
- FDIC certificate #
- 57576
- RSSD ID
- 3199811
- Primary regulator
- FDIC
- Holding company
- Cornerstone Bancshares Inc
- Established
- September 22, 2003
- Headquarters
- 1475 S Jefferson Ave, Lebanon, MO 65536
- Website
- www.heritagebankozarks.com
- Employees
- 61
Quick answers
Heritage Bank of the Ozarks: common questions
Is Heritage Bank of the Ozarks FDIC insured?
Yes. Heritage Bank of the Ozarks is an FDIC-insured institution (FDIC certificate #57576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Heritage Bank of the Ozarks's TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Heritage Bank of the Ozarks ever failed?
There is no failure record for FDIC certificate #57576 in the FDIC failed bank list.
How many branches does Heritage Bank of the Ozarks have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lebanon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO | 72 out of 100, Strong | $456.9M | 10.5% | 0.36% | vs |