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 134th largest bank in the state of Missouri. It is also the 3,165th largest bank in the nation. It was established in 2003 and as of September of 2020, it had grown to 46 employees at 2 locations. Heritage Bank of the Ozarks has an A 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 - YTD0.74%
Return on Equity - YTD8.42%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$181.3MM$157.9MM
LoansQ3 2020vs Q3 2019$130.4MM$111.6MM
DepositsQ3 2020vs Q3 2019$154.6MM$131.3MM
Equity CapitalQ3 2020vs Q3 2019$15.6MM$13.4MM
Loan Loss AllowanceQ3 2020vs Q3 2019$2.0MM$1.7MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$207.00K$310.00K
Real Estate OwnedQ3 2020vs Q3 2019$18.00K$0
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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%--Savings Account
0.02%--Heritage Young Savers
0.02%--Business Savings Account

Heritage Bank of the Ozarks Money Market Rates

0.40%*$150k*-Money Market
OTHER TIERS: 0.05% $2.5k - $10k | 0.15% $10k - $50k | 0.20% $50k - $150k
0.40%*$150k*-Business Money Market
OTHER TIERS: 0.05% $2.5k - $10k | 0.15% $10k - $50k | 0.20% $50k - $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
0.12%*$50k*-Business 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

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