Side-by-side · Q2 2026 data
The Missouri Bank vs Heritage Bank of the Ozarks
Metric by metric
| Measure | The Missouri Bank | Heritage Bank of the Ozarks |
|---|---|---|
| TellerScore | 88 (stronger) | 45 |
| Capital cushion | 76 (stronger) | 46 |
| Loan quality | 96 (stronger) | 9 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 73 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 55 |
| Peer percentile | 92nd | 4th |
| Total assets | $461.5M | $424.0M |
| Deposits / shares | $403.2M | $376.9M |
| Capital ratio | 12.57% (stronger) | 9.64% |
| Problem loans | 0.13% (stronger) | 2.74% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 2.14% (stronger) | 1.18% |
| Loans ÷ deposits | 76.9% (stronger) | 86.1% |
| Uninsured deposits | 24.5% | 23.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
The Missouri Bank has the higher TellerScore (88 vs 45). On the 7 directional measures above (where higher or lower is clearly better), The Missouri Bank leads on 6 and Heritage Bank of the Ozarks on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.