Call reports 2025
HERITAGE BANK OF THE OZARKS — 2025
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 375,860,000 | 391,728,000 | 411,449,000 | 425,932,000 |
| Total loans | 287,963,000 | 295,990,000 | 306,764,000 | 320,429,000 |
| Allowance for loan losses | 3,317,000 | 3,462,000 | 3,899,000 | 4,473,000 |
| Securities available for sale | 42,360,000 | 43,291,000 | 45,656,000 | 46,698,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,461,000 | 343,357,000 | 367,268,000 | 381,424,000 |
| Interest-bearing deposits | 274,664,000 | 278,449,000 | 301,666,000 | 317,608,000 |
| Noninterest-bearing deposits | 59,797,000 | 64,908,000 | 65,602,000 | 63,816,000 |
| Equity capital | 30,900,000 | 33,073,000 | 34,588,000 | 35,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,404,000 | 11,227,000 | 17,364,000 | 23,500,000 |
| Interest expense | 2,109,000 | 4,180,000 | 6,457,000 | 8,725,000 |
| Net interest income | 3,295,000 | 7,047,000 | 10,907,000 | 14,775,000 |
| Noninterest income | 593,000 | 1,457,000 | 2,202,000 | 2,865,000 |
| Noninterest expense | 2,325,000 | 4,733,000 | 7,228,000 | 9,763,000 |
| Provision for loan losses | 206,000 | 351,000 | 802,000 | 1,454,000 |
| Pretax income | 1,356,000 | 3,302,000 | 4,954,000 | 6,358,000 |
| Income tax | 230,000 | 674,000 | 1,045,000 | 1,356,000 |
| Net income | 1,126,000 | 2,628,000 | 3,909,000 | 5,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,186,000 | 36,290,000 | 37,337,000 | 38,196,000 |