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 95th largest bank in the state of Missouri. It is also the 2,403rd largest bank in the nation. It was established in 2003 and as of December of 2023, it had grown to 58 employees at 3 locations. Heritage Bank of the Ozarks has a B+ health rating.

Reviews (1)


Posted by: |

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 - YTD0.86%
Return on Equity - YTD11.42%
Annual Interest Income$14.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$316MM$280.8MM
LoansQ4 2023vs Q4 2022$240.3MM$205.3MM
DepositsQ4 2023vs Q4 2022$274.1MM$230.6MM
Equity CapitalQ4 2023vs Q4 2022$23.6MM$20.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$2.7MM$2.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.1MM$106K
Real Estate OwnedQ4 2023vs Q4 2022$117K$0

Rates for Heritage Bank of the Ozarks are currently being reviewed.


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

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