Total Assets
$426M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$381M
Customer-funded liabilities
Net Loans
$316M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
15.28%
Efficiency Ratio
55.30%
What the numbers say about Heritage Bank of the Ozarks
Heritage Bank of the Ozarks is an FDIC-insured institution (Certificate #57576) headquartered in Lebanon, Missouri, established in 2003. It holds $426M in total assets - 2,004th of 4,313 FDIC-insured banks, $381M in customer deposits, and $316M in net loans. Capital-wise, the Tier 1 ratio sits at 9.31%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 18.29%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Heritage Bank of the Ozarks sits 80th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Missouri by total assets
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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Heritage Bank of the Ozarks's health grade?▼
Heritage Bank of the Ozarks receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Heritage Bank of the Ozarks?▼
Heritage Bank of the Ozarks holds $426M in total assets and $381M in deposits, ranking 2,004th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lebanon, Missouri.
Is my money safe at Heritage Bank of the Ozarks?▼
Yes, deposits at Heritage Bank of the Ozarks (Certificate #57576) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Heritage Bank of the Ozarks's Tier 1 Capital Ratio?▼
Heritage Bank of the Ozarks has a Tier 1 Capital Ratio of 9.31%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Heritage Bank of the Ozarks?▼
Heritage Bank of the Ozarks has a Texas Ratio of 18.29%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Heritage Bank of the Ozarks?▼
Heritage Bank of the Ozarks has an Efficiency Ratio of 55.30%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Heritage Bank of the Ozarks's profile as a depositor or analyst.
- Heritage Bank of the Ozarks's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Heritage Bank of the Ozarks against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.