Heritage Bank of the Ozarks
Lebanon, MO
IDRSSD: 3199811
Total Assets
$425.93M
Latest filing
Total Deposits
$381.42M
Latest filing
Net Interest Margin
3.96%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Bank of the Ozarks
1475 S Jefferson Ave
Lebanon, MO 65536
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/22/2003FDIC Certificate 365828
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Heritage Bank of the Ozarks (Main) | 1475 S Jefferson Ave | Lebanon, MO |
| PLATO BRANCH | 10603 Highway 32 | Plato, MO |
| CAMDENTON BRANCH | 100 S Business Route 5 | Camdenton, MO |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/22/2003 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 65536 |
| State and County Number | 29105 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Lebanon, MO |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/22/2003 |
| Primary Insurance Agency | DIF |
| Website | http://www.heritagebankozarks.com |
| Data Updated | 01/30/2026 |
| CERT | 57576 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $425.93M |
| Total Deposits | $381.42M |
| Total Liabilities | $390.44M |
| Total Equity Capital | $35.49M |
| Net Income | $1.09M |
| Net Loans and Leases | $315.96M |
| Assets Per Employee ($Millions) | $6.98M |
| Bank Premises and Fixed Assets | $7.10M |
| Cash and Balances due from Depository Institutions | $28.23M |
| Deposits Held in Domestic Offices | $381.42M |
Key Performance Ratios
| Return on Assets (ROA) | 1.04% |
| Return on Equity (ROE) | 12.48% |
| Net Interest Margin | 3.96% |
| Efficiency Ratio | 55.9% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.57% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.333% |
| Earning Assets to total Assets | 93.31% |
Income and Expense
| Total Interest Income | $6.14M |
| Total Noninterest Income | $663.00k |
| Total Interest Expense | $2.27M |
| Total Noninterest Expense | $2.54M |
| Net Interest Income | $3.87M |
| Pre-tax Net Operating Income | $1.40M |
| Provision for Credit Losses | $592.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.36M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.81M |
| Total Liabilities and Capital | $425.93M |
Securities
| Securities | $47.71M |
| Available-for-sale debt securities | $46.70M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heritage Bank of the Ozarks?
$425.93M as of the latest filing.
How much are Heritage Bank of the Ozarks's total deposits?
$381.42M in total deposits.
Where is Heritage Bank of the Ozarks located?
Lebanon, MO.
What is the Net Interest Margin?
3.96%.
How many domestic offices does it operate?
3.
When was it established?
09/22/2003.
What is the Return on Assets (ROA)?
1.04%.
How much are total loans and leases?
$315.96M (latest filing).
What is the total interest income (latest filing)?
$6.14M.