SBA lender profile
Heritage Bank of the Ozarks
Heritage Bank of the Ozarks appears in the public SBA loan data with 106 funded 7(a) loans since FY2010, totaling $28.3M, an average of $267K per loan, and an estimated 691 jobs supported. Its SBA lending concentrates in Missouri and the Health Care and Social Assistance sector. Across its 7(a) loans, the charge-off rate is 4.7%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 64
- Scale 47
- Activity 38
- Consistency 79
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Heritage Bank of the Ozarks the right lender for you?
Lenders fund what they know. Heritage Bank of the Ozarks's SBA lending concentrates in Missouri (106 loans) and Health Care and Social Assistance (17 loans), at an average loan of $267K. If your business does not look like that, a different SBA lender is likely the better fit.
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Bank profile
via FDIC- Total assets
- $421M
- Headquarters
- Lebanon, MO
- FDIC cert
- #57576
- Status
- Active
Where Heritage Bank of the Ozarks lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Missouri | 106 | $28.3M |
Metro areas where Heritage Bank of the Ozarks funds
What Heritage Bank of the Ozarks funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Health Care and Social Assistance | 17 | $7.8M |
| Accommodation and Food Services | 15 | $4.0M |
| Manufacturing | 13 | $3.7M |
| Retail Trade | 11 | $3.5M |
| Agriculture, Forestry, Fishing | 4 | $3.3M |
| Other Services | 8 | $1.4M |
Heritage Bank of the Ozarks SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1 | $1.5M |
| 2012 | 9 | $908K |
| 2013 | 6 | $1.7M |
| 2014 | 17 | $2.2M |
| 2015 | 11 | $4.1M |
| 2016 | 13 | $2.4M |
| 2017 | 9 | $1.6M |
| 2018 | 4 | $894K |
| 2019 | 3 | $535K |
| 2020 | 4 | $382K |
| 2021 | 8 | $2.5M |
| 2022 | 10 | $6.0M |
| 2023 | 4 | $1.7M |
| 2024 | 4 | $1.1M |
| 2025 | 1 | $187K |
| 2026 | 2 | $660K |
Related SBA lenders
Other lenders active in Missouri or in Health Care and Social Assistance.
Comparing lenders? See how to choose an SBA lender by track record.
Heritage Bank of the Ozarks: frequently asked questions
Does Heritage Bank of the Ozarks offer SBA loans?
Yes. Heritage Bank of the Ozarks appears in the public SBA data with 106 funded SBA 7(a) loans totaling $28.3M.
How many SBA loans has Heritage Bank of the Ozarks made?
Heritage Bank of the Ozarks is associated with 106 SBA 7(a) loans totaling $28.3M in the public SBA data (as of 2026-03-31).
What is Heritage Bank of the Ozarks's SBA charge-off rate?
About 4.7% of Heritage Bank of the Ozarks's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Heritage Bank of the Ozarks do most of its SBA lending?
Heritage Bank of the Ozarks's SBA lending in the data is most concentrated in Missouri, and by industry in Health Care and Social Assistance.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Heritage Bank of the Ozarks SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/heritage-bank-of-the-ozarks/
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