Heritage Bank of the Ozarks: how it compares with its peers
Against 73 MO banks with half to twice its assets, Heritage Bank of the Ozarks's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.5M peer median). Its weakest relative measure is return on assets (1.18% vs. 1.58%).
| Measure | Heritage Bank of the Ozarks | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.58% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 4.16% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.27% | 57.08% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.5M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.11% | 86.39% | Context |
What it means for lending operations
Its efficiency ratio of 61.27% is above the 57.08% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Franklin County Washington, MO · $419M
- MA Bank Macon, MO · $417M
- Branson Bank Branson, MO · $414M
- Central Bank of Kansas City Kansas City, MO · $410M
- Community Bank and Trust Neosho, MO · $445M
- Pony Express Bank Braymer, MO · $399M
Questions about Heritage Bank of the Ozarks
How big is Heritage Bank of the Ozarks?
Heritage Bank of the Ozarks, established in 2003, is headquartered in Lebanon, MO. It reported $424M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Heritage Bank of the Ozarks's return on assets?
1.18% annualized in Q2 2026, against a 1.58% median for 73 MO banks with half to twice its assets, ahead of 25% of them.
What is Heritage Bank of the Ozarks's efficiency ratio?
61.27% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 57.08%, and lower is better.
Is Heritage Bank of the Ozarks growing its loans?
Net loans grew 11.0% over the year to Q2 2026, while deposits grew 9.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.