OZARK HERITAGE BANK NATIONAL ASSOCIATION

OZARK HERITAGE BANK NATIONAL ASSOCIATION is headquartered in Mountain View and is the 111^st largest bank in the state of Arkansas. It is also the 6,003^rd largest bank in the nation. It was established in 1955 and as of March of 2012, it had grown to 28 employees at 2 locations. OZARK HERITAGE BANK NATIONAL ASSOCIATION has a 3-star health rating.

Data for Q1 2012

Institution Statistics OZARK HERITAGE BANK NATIONAL ASSOCIATION FDIC Certificate # 17431 BankRate Report View Year Established 1955 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $62.35 million Loans $44.88 million Deposits $53.91 million Equity Capital $8.20 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $3.48 million Real Estate Owned $199,000 Historic Data - March 2011 Assets $63.30 million Equity Capital $6.72 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $1.34 million Real Estate Owned $160,000 Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0.83% Return on Equity 6.48% Interest Income $749,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 OZARK HERITAGE BANK NATIONAL ASSOCIATION had $3.67 million in non-current loans and owned real-estate with $9.85 million in equity and loan loss allowances on hand to cover it. This gives OZARK HERITAGE BANK NATIONAL ASSOCIATION a Texas Ratio of 37.30% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for OZARK HERITAGE BANK NATIONAL ASSOCIATION increased slightly from 17.06% as of March 31, 2011 to 37.30% as of March 31, 2012, resulting in a negative change of 118.58%. This indicates that the balance sheet and financial strength for OZARK HERITAGE BANK NATIONAL ASSOCIATION has declined slightly in recent periods. Deposit Growth In the past year, OZARK HERITAGE BANK NATIONAL ASSOCIATION has decreased its total deposits by -$2.55 million, resulting in -4.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth OZARK HERITAGE BANK NATIONAL ASSOCIATION has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. OZARK HERITAGE BANK NATIONAL ASSOCIATION has $62.35 million in assets with $9.85 million in equity, resulting in a capitalization level of 15.80%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.