Heritage Bank Of The Ozarks (FDIC #57576): Bank Stress & Real-Estate Credit Exposure

Heritage Bank Of The Ozarks (FDIC Cert #57576): bank stress 71/100, elevated, STABLE over 7 days; parent CORNERSTONE BANCSHARES INC.

Heritage Bank Of The Ozarks (#57576) lends in 3 counties across 1 state; Heritage Bank Of The Ozarks (#57576) reaches 45 ZIP codes: Missouri 3 counties, 45 ZIPs.

Heritage Bank Of The Ozarks (#57576) largest markets: Texas County, MO (21 branches, 21 ZIPs) (#57576), Camden County, MO (18 branches, 18 ZIPs) (#57576), Laclede County, MO (12 branches, 12 ZIPs) (#57576).

Heritage Bank Of The Ozarks (#57576) reports $424.0 million in total assets; Heritage Bank Of The Ozarks (#57576) equity $37.4 million (8.8% of Heritage Bank Of The Ozarks (#57576) assets); Heritage Bank Of The Ozarks (#57576) domestic deposits $376.9 million; Heritage Bank Of The Ozarks (#57576) net income $2.5 million; Heritage Bank Of The Ozarks (#57576) return on assets 1.18%; Heritage Bank Of The Ozarks (#57576) return on equity 13.67%; Heritage Bank Of The Ozarks (#57576) net interest income $7.7 million; Heritage Bank Of The Ozarks (#57576) call report June 30, 2026.

Heritage Bank Of The Ozarks (#57576) noncurrent real-estate loans: none reported; Heritage Bank Of The Ozarks (#57576) net charge-offs on real estate 3.02%; Heritage Bank Of The Ozarks (#57576) residential charge-offs 5.64%.

Heritage Bank Of The Ozarks (#57576) net interest margin 3.92% against an eight-quarter Heritage Bank Of The Ozarks (#57576) average of 3.89% (Heritage Bank Of The Ozarks (#57576) compression -0.03 points); Heritage Bank Of The Ozarks (#57576) non-residential real estate 563.6% of equity; Heritage Bank Of The Ozarks (#57576) rate-exposure score 40/100, Heritage Bank Of The Ozarks (#57576) fixed-rate trap 40/100; Heritage Bank Of The Ozarks (#57576) risk type credit driven; Heritage Bank Of The Ozarks (#57576) rate regime rates elevated, Heritage Bank Of The Ozarks (#57576) snapshot October 20, 2026.

Heritage Bank Of The Ozarks (#57576) stress score moved from 71.2 on June 22, 2026 to 71.1 on October 20, 2026; Heritage Bank Of The Ozarks (#57576) ranged 71.1 to 71.2 over 117 snapshots.

Heritage Bank Of The Ozarks (#57576) alerts: 3 counties; top Heritage Bank Of The Ozarks (#57576) alert scores: Camdenton County, MO 23 (low); Lebanon County, MO 23 (low); Plato County, MO 23 (low).