Heritage Bank of the Ozarks

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.heritagebankozarks.com

417-532-2265

1475 South Jefferson
Lebanon, MO 65536

Heritage Bank of the Ozarks is headquartered in LEBANON and is the 87^th largest bank in the state of Missouri. It is also the 2,170^th largest bank in the nation. It was established in 2003 and as of March of 2025, it had grown to 59 employees at 3 locations. Heritage Bank of the Ozarks' money market rates are 9X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57576
Year Established	2003
Employees	59
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.22%
Return on Equity - YTD	14.87%
Annual Interest Income	$5.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$375.9MM$317.1MM
Loans	Q1 2025vs Q1 2024	$284.6MM$245.9MM
Deposits	Q1 2025vs Q1 2024	$334.5MM$284.4MM
Equity Capital	Q1 2025vs Q1 2024	$30.9MM$24MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.3MM$2.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$722K$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking

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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

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$0	$100k	Neighbor Rewards Savings
OTHER TIERS: 0.25% → $100k+
0.15%	$0	-	Regular Savings Account
0.15%	$0	-	Heritage Young Savers

Heritage Bank of the Ozarks Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%^*	$150k^*	-	Premium Money Market
OTHER TIERS: 4.00% → $2.5k - $150k
0.50%^*	$150k^*	-	Money Market
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.20% → $10k - $50k \| 0.35% → $50k - $150k

Heritage Bank of the Ozarks Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%	$0	$10k	Neighbor Rewards Checking

Locations

Heritage Bank of the Ozarks Locations
Heritage Bank Of The Ozarks	1475 S Jefferson Ave	Lebanon, MO 65536
Camdenton Branch	100 South Business Route 5	Camdenton, MO 65020
Plato Branch	10603 Hwy 32	Plato, MO 65552

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