BlastPoint's Banking Scorecard
Heritage Bank of the Ozarks
Micro
Specialty: Commercial
MO
FDIC cert 57576
Designations: ✓ Community bank
Lebanon, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Heritage Bank of the Ozarks faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$425.9M
+17.3% YoY
+3.5% QoQ
|
+$208.4M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$316.0M
+14.2% YoY
+4.3% QoQ
|
+$176.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$381.4M
+19.8% YoY
+3.9% QoQ
|
+$197.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.27%
+18.1% YoY
-6.0% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.03%
+8.0% YoY
-0.6% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
55.30%
-13.5% YoY
+0.4% QoQ
|
-12.43% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
2.31%
+993.2% QoQ
|
+1.67% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
82.84%
-4.7% YoY
+0.5% QoQ
|
+8.31% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
16.73%
-5.4% YoY
-6.3% QoQ
|
-5.66% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? | 1.72% | +1.26% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.67%
-1.9% YoY
+25.7% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.72%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Deposits
Current: $381.4M · Tier avg: $183.7M
94
94th pctile
Total Loans
Current: $316.0M · Tier avg: $139.2M
91
91th pctile
Total Assets
Current: $425.9M · Tier avg: $217.5M
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
80
80th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 67.73%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.84% · Tier avg: 74.53%
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.73% · Tier avg: 22.39%
11
11th pctile
Delinquency Rate
Current: 2.31% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.31% · Tier avg: 0.64%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.73% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.84% · Tier avg: 74.53%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 67.73%
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
91
91th pctile
Total Assets
Current: $425.9M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $316.0M · Tier avg: $139.2M
95
95th pctile
Total Deposits
Current: $381.4M · Tier avg: $183.7M