Side-by-side · Q2 2026 data
Ozark Bank vs Heritage Community Bank
Metric by metric
| Measure | Ozark Bank | Heritage Community Bank |
|---|---|---|
| TellerScore | 55 | 59 (stronger) |
| Capital cushion | 42 (stronger) | 33 |
| Loan quality | 51 | 80 (stronger) |
| Earnings | 65 | 77 (stronger) |
| Funding & liquidity | 58 (stronger) | 52 |
| Problem-loan coverage | 77 (stronger) | 63 |
| Peer percentile | 11th | 17th |
| Total assets | $341.0M | $347.8M |
| Deposits / shares | $283.1M | $296.6M |
| Capital ratio | 9.23% (stronger) | 8.30% |
| Problem loans | 1.47% | 0.59% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.12% | 1.42% (stronger) |
| Loans ÷ deposits | 89.7% (stronger) | 103.4% |
| Uninsured deposits | 26.2% | 19.5% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 1.3% |
Heritage Community Bank has the higher TellerScore (59 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ozark Bank leads on 3 and Heritage Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.