Heritage Bank of the Ozarks
Lebanon, MO · Owner: Cornerstone Bancshares Inc
$424M
total assets, June 30, 2026
$424M
total assets, June 30, 2026
Heritage Bank of the Ozarks is a state nonmember bank based in Lebanon, MO, owned by Cornerstone Bancshares Inc. As of June 30, 2026 it held $424.0 million in assets and $376.9 million in deposits; assets were up 8.2% from a year before. It has 3 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$424M
+8.2% in a year · +0.8% in a quarter
Deposits
$377M
+9.8% in a year · +0.5% in a quarter
Loans
$329M
+11.3% in a year · +1.0% in a quarter
Profit so far
$2.5M
Jan 1 to Jun 30, 2026 · -5.2% in a year
Capital ratio
9.64%
+0.02 pts in a year
Return on assets
1.18%
-0.22 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 1475 S Jefferson Ave, Lebanon, MO, 65536
- County
- Laclede
- Holding company
- Cornerstone Bancshares Inc
- Established
- Sep 22, 2003
- Employees
- 61
- Branches
- 3
- Website
- www.heritagebankozarks.com
- Id
- b57576
Quarter by quarter
September 30, 2003 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
3 offices as of June 30, 2026, holding $376.9 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Missouri | 3 | $377M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Heritage Bank Of The Ozarks (main office) | Lebanon, MO | $273M |
| Camdenton Branch | Camdenton, MO | $81.0M |
| Plato Branch | Plato, MO | $23.2M |
Related pages
Questions and answers
How big is Heritage Bank of the Ozarks?
$424.0 million in total assets and $376.9 million in deposits as of June 30, 2026, with assets up 8.2% from a year before. Its loans were $329.4 million.
How many branches does Heritage Bank of the Ozarks have?
3 branches in Missouri as of June 30, 2026.
Is Heritage Bank of the Ozarks profitable?
Yes: it earned $2.49 million from January 1 to June 30, 2026 (down 5.2% from the same months a year before). Its return on assets was 1.18% a year; about 1% is typical.
Who owns Heritage Bank of the Ozarks?
Heritage Bank of the Ozarks is owned by Cornerstone Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.