Side-by-side · Q2 2026 data
Exchange Bank of Missouri vs Heritage Bank of the Ozarks
Metric by metric
| Measure | Exchange Bank of Missouri | Heritage Bank of the Ozarks |
|---|---|---|
| TellerScore | 49 (stronger) | 45 |
| Capital cushion | 45 | 46 (stronger) |
| Loan quality | 14 (stronger) | 9 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 44 | 65 (stronger) |
| Problem-loan coverage | 52 | 55 (stronger) |
| Peer percentile | 6th | 4th |
| Total assets | $453.8M | $424.0M |
| Deposits / shares | $409.7M | $376.9M |
| Capital ratio | 9.51% | 9.64% (stronger) |
| Problem loans | 2.59% (stronger) | 2.74% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 2.01% (stronger) | 1.18% |
| Loans ÷ deposits | 84.1% (stronger) | 86.1% |
| Uninsured deposits | 44.4% | 23.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange Bank of Missouri has the higher TellerScore (49 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank of Missouri leads on 4 and Heritage Bank of the Ozarks on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.