Heritage Bank Of The Ozarks is a bank based in Lebanon, Missouri, established in 2003, with $421 million in total assets across 3 branches. By Trust Grade it ranks 129th of 195 banks we track in Missouri. Its capital ratio of 8.7% trails most similarly sized banks (24th percentile), versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 1.13% return on assets. No consumer complaints against Heritage Bank Of The Ozarks appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heritage Bank Of The Ozarks compares to Missouri peers
How we graded Heritage Bank Of The Ozarks
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.7% capital ratio)
- Strongly profitable (ROA 1.13%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage Bank Of The Ozarks over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 1475 S Jefferson Ave, Lebanon, MO 65536
- 10603 Highway 32, Plato, MO 65552
- 100 S Business Route 5, Camdenton, MO 65020
Are deposits at Heritage Bank Of The Ozarks insured?
Yes. Heritage Bank Of The Ozarks is an FDIC-insured bank (FDIC certificate #57576). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heritage Bank Of The Ozarks: frequently asked questions
Is Heritage Bank Of The Ozarks a good bank?
Heritage Bank Of The Ozarks earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.7% capital ratio); Strongly profitable (ROA 1.13%).
Is Heritage Bank Of The Ozarks FDIC-insured?
Yes. Heritage Bank Of The Ozarks is a FDIC-insured bank (FDIC certificate #57576). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Heritage Bank Of The Ozarks?
Heritage Bank Of The Ozarks holds $421 million in total assets, ranking 129th of 195 banks we track in Missouri. It operates 3 branches.
Does Heritage Bank Of The Ozarks have CFPB complaints?
No CFPB complaints against Heritage Bank Of The Ozarks appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
