Heritage Bank of the Ozarks

Overview / Commentary
1475 South Jefferson
Lebanon, MO 65536

Heritage Bank of the Ozarks is headquartered in Lebanon and is the 123rd largest bank in the state of Missouri. It is also the 2,923rd largest bank in the nation. It was established in 2003 and as of March of 2021, it had grown to 51 employees at 3 locations. Heritage Bank of the Ozarks has an A health rating.

Related Posts

Heritage Bank Of The Ozarks (MO) Offers Kasasa Brand Statewide - 3/29/2021

Heritage Bank of the Ozarks (MO) offers its Kasasa Cash Checking, Kasasa Cash Back, and Kasasa Saver accounts on a statewide basis through an online application.

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Reviews (1)


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Promises high returns on deposits, but online access to funds for this out-of-the-way bank is TERRIBLE. Nearly every time one tries to access the account the online banking website is malfunctioning - leaving the depositor in the lurch and unable to access their funds! After 3 months and only 3-4 successful log-ins without having to make a call to their IT department, I'm closing my account.


Health Grade Components

FDIC Certificate #57576
Year Established2003
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD13.46%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$224.4MM$162.0MM
LoansQ1 2021vs Q1 2020$156.6MM$117.7MM
DepositsQ1 2021vs Q1 2020$196.6MM$132.5MM
Equity CapitalQ1 2021vs Q1 2020$19.0MM$15.0MM
Loan Loss AllowanceQ1 2021vs Q1 2020$2.1MM$1.9MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$296.00K$222.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$18.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Bank of the Ozarks Savings Account Rates

0.75%*-$100kKasasa Saver
OTHER TIERS: 0.25% $100k+
0.02%--Regular Savings Account
0.02%--Heritage Young Savers

Heritage Bank of the Ozarks Money Market Rates

0.30%*$150k*-Money Market
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k | 0.20% $100k - $150k
0.30%*$150k*-Business Money Market
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k | 0.20% $100k - $150k

Heritage Bank of the Ozarks Checking Account Rates

2.00%-$10kKasasa Cash
0.12%*$50k*-NOW Checking
OTHER TIERS: 0.02% $2.5k - $10k | 0.08% $10k - $25k | 0.10% $25k - $50k

Heritage Bank of the Ozarks Locations
Heritage Bank Of The Ozarks1475 South JeffersonLebanon, MO 65536
Camdenton Branch100 South Business Route 5Camdenton, MO 65020
Plato Branch10603 Hwy 32Plato, MO 65552

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