BlastPoint's Banking Scorecard

Heritage Bank of the Ozarks

$100M-$1B Specialty: Commercial MO FDIC cert 57576

Lebanon, MO

3 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +9.8% year over year ($376.9M on the books).
Delinquency rate 2.78%.
Return on assets 1.18%.
Efficiency ratio 61.27% vs a 64.48% peer average.
Loan-to-deposit ratio 86.11% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Heritage Bank of the Ozarks has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.21% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 27.5% in tier
- Margin Compression: Bottom 50.5% in tier
- Delinquency Rate 1.87% above tier average
- Nonperforming Asset Ratio 1.56% above tier average
- Net Interest Margin 0.06% below tier average

Get updates when Heritage Bank of the Ozarks releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$424.0M +8.2% YoY +0.8% QoQ	+$37.4M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$324.6M +11.0% YoY +1.0% QoQ	+$66.2M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$376.9M +9.8% YoY +0.5% QoQ	+$50.2M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	1.18% -15.6% YoY +4.3% QoQ	-0.15%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.92% -2.6% YoY +2.3% QoQ	-0.06%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	61.27% +10.2% YoY -0.1% QoQ	-3.21%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	2.78% -19.9% QoQ	+1.87%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 7.2% in tier
Loan-to-Deposit Ratio ?	86.11% +1.1% YoY +0.5% QoQ	+8.16%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	17.30% -8.5% YoY +3.3% QoQ	-4.73%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	2.23% -19.1% QoQ	+1.56%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 5.9% in tier
Tier 1 Capital Ratio ?	9.64% +0.2% YoY +2.8% QoQ	-6.27%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 6.5% in tier
Non-Interest Income / Assets ?	0.31% -17.2% YoY +122.4% QoQ	-0.26%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	17.3% -1.6pp YoY +0.6pp QoQ	-4.8pp	22.1%	20.9%	22.2%	33%
Brokered Deposits	2.6% -0.9pp YoY 0.0pp QoQ	-5.2pp	7.9%	7.4%	8.5%	35%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	3.6% 0.0pp YoY -0.1pp QoQ	-7.9pp	11.6%	12.3%	12.5%	13%
CRE	43.4% -2.4pp YoY -0.4pp QoQ	+3.9pp	39.5%	36.8%	41.4%	59%
1-4 Family	29.6% +4.8pp YoY +0.6pp QoQ	-3.0pp	32.6%	31.9%	31.3%	50%
Consumer	2.0% -0.7pp YoY -0.2pp QoQ	-2.1pp	4.1%	4.1%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	9.6% 0.0pp YoY +0.3pp QoQ	-2.5pp	12.2%	11.6%	12.6%	24%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	61 0 YoY 0 QoQ	+2	58	162	482	64%
Assets per Employee ($)	$7.0M +8.2% YoY +0.8% QoQ	-$568K	$7.5M	$8.0M	$8.8M	51%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.8% +2.6pp YoY -0.7pp QoQ	+1.8pp	0.9%	0.8%	1.0%	93%
Allowance Coverage	0.53x -90.3% YoY +27.5% QoQ	-23.63x	24.15x	10.47x	20.23x	11%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	13.7% -3.2pp YoY +0.4pp QoQ	+1.5pp	12.2%	14.3%	11.6%	60%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	84%
Net Income ($, YTD)	$2.5M -5.2% YoY — QoQ	-$63K	$2.6M	$11.3M	$40.4M	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk

#39 of 138 • Bottom 27.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 61.27%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Margin Compression

decline

#156 of 307 • Bottom 50.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.18%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2488

Nonperforming Asset Ratio

credit_quality

Value: 2.23%

Peer Median: 0.67%

#2488 of 2643 Bottom 5.9% in $100M-$1B

2473

Tier 1 Capital Ratio

capital

Value: 9.64%

Peer Median: 15.91%

#2473 of 2643 Bottom 6.5% in $100M-$1B

2445

Delinquency Rate

credit_quality

Value: 2.78%

Peer Median: 0.92%

#2445 of 2633 Bottom 7.2% in $100M-$1B