BlastPoint's Banking Scorecard
Heritage Bank of the Ozarks
Lebanon, MO
3 branches across MO
Heritage Bank of the Ozarks has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.96% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.59% above tier average
- - Nonperforming Asset Ratio 2.12% above tier average
- - ROA 0.14% below tier average
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$420.6M
+11.9% YoY
-1.3% QoQ
|
+$34.5M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$321.4M
+12.9% YoY
+1.7% QoQ
|
+$65.7M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$375.1M
+12.2% YoY
-1.6% QoQ
|
+$47.2M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.13%
-7.4% YoY
-11.2% QoQ
|
-0.14% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.84%
-0.0% YoY
-4.9% QoQ
|
-0.09% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
61.33%
+2.6% YoY
+10.9% QoQ
|
-3.96% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
3.48%
+50.3% QoQ
|
+2.59% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.4% in tier |
| Loan-to-Deposit Ratio ? |
85.68%
+0.7% YoY
+3.4% QoQ
|
+9.04% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
16.74%
-6.4% YoY
+0.0% QoQ
|
-5.28% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
2.76%
+60.6% QoQ
|
+2.12% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.6% in tier |
| Tier 1 Capital Ratio ? |
9.38%
-1.2% YoY
+0.7% QoQ
|
-6.45% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.3% in tier |
| Non-Interest Income / Assets ? |
0.14%
-12.3% YoY
-79.4% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
70% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.