FDIC Cert #57576 · Lebanon, Missouri · Est. 2003

Heritage Bank of the Ozarks - FDIC Bank Health Profile

A community-scale look at Heritage Bank of the Ozarks's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$426M
Total assets
C
Health grade · Fair
1.27%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank of the Ozarks earns a PlainBankData health grade of C (60/100), with 9.31% Tier 1 capital, profitable at 1.27% ROA, efficient (55% cost ratio).

#2,004
largest of 4,313 FDIC banks by assets
54th
percentile by asset size, nationally
9.31%
Tier 1 ratio - below the 10% well-capitalized line
62nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 57576 · MO C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3783/4307
  • PHOTO-FINISH Members Trust Company · FL
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-HEALTHY 18.3% Texas
  • ROA-STRONG 1.27% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Members Trust Company, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Heritage Bank of the Ozarks

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Heritage Bank of the… · MO ·…60/100Independence Bank · RI · near60/100Legacy National Bank · AR · …60/100Members Trust Company · FL ·…60/100Providence Bank & Tr… · IL ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank of the Ozarks · July 2026

Call Report read for Heritage Bank of the Ozarks in a high-failure state

Heritage Bank of the Ozarks (FDIC Cert #57576) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,783 of 4,307. Tier 1 capital prints at 9.31%, missing the 10% well-capitalized line. The Texas Ratio is 18.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.27%. Balance-sheet scale is $426M, 2,004th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Members Trust Company (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Heritage Bank of the Ozarks

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Heritage Bank of the Ozarks sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Heritage Bank of the Ozarks's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Heritage Bank of the Ozarks's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Heritage Bank of the Ozarks's composite health score
Tier 1 Capital Ratio (9.31%) 18/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (18.29%) 10/20
Efficiency Ratio (55.30%) 12/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$426M

Total balance-sheet footings

Total Deposits

$381M

Customer-funded liabilities

Net Loans

$316M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.91% 9.31% 10.71%
Basel III capital ratios - Heritage Bank of the Ozarks

Where Heritage Bank of the Ozarks ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank of the Ozarks's score of 60/100 falls in the highlighted band.

Heritage Bank of the Ozarks: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Heritage Bank of the Ozarks 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Heritage Bank of the Ozarks's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Heritage Bank of the Ozarks's $426M falls in the highlighted band.

Capital & credit buffers at Heritage Bank of the Ozarks

Tier 1 capital ratio
Well-capitalized 10%

9.31% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.31%
Texas Ratio
18.29%
Equity Capital
$35M

What these ratios mean →

Earnings posture at Heritage Bank of the Ozarks

Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
15.28%
Efficiency Ratio
55.30%

What these mean →

Income & expense at Heritage Bank of the Ozarks

$24M
Interest Income
$3M
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank of the Ozarks reports a Texas Ratio of 18.29% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heritage Bank of the Ozarks on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($426M here), outside Missouri so the neighborhood is not state containment.

Cattle Bank and Trust $426M · NE Patriot Bank $426M · TN First National Bank $426M · IN First Vision Bank of Tennessee $426M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank of the Ozarks (FDIC Cert #57576) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Heritage Bank of the Ozarks Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%