Bank · FDIC insured
Heritage Bank of the Ozarks
A $424M bank headquartered in Lebanon, MO, with 3 branches in Missouri. Best rates: savings 3.40% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings943.40%at $10,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heritage Bank of the Ozarks
Heritage Bank of the Ozarks officially opened for business in Lebanon on September 22, 2003, after receiving a de novo charter.
Heritage Bank of the Ozarks provides banking services across South Central Missouri, including Laclede, Camden, and Texas counties with branches in Lebanon, Camdenton, and Plato.
- Headquarters
- 1475 S Jefferson Ave, Lebanon, MO 65536
- FDIC certificate
- 57576 ↗
Branches
3 branches in Missouri
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Missouri
3 branches
Lebanon area · 1
- Heritage Bank of the OzarksMain office1475 S Jefferson Ave, Lebanon, MO 65536Directions
Camdenton area · 1
- Camdenton Branch100 S Business Route 5, Camdenton, MO 65020Directions
Plato area · 1
- Plato Branch10603 Highway 32, Plato, MO 65552Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.64% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.74% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.18% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio9.64%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.74%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.18%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Heritage Bank of the Ozarks are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.