Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

Heritage Bank of the Ozarks

Lebanon, MissouriBankSt. Louis Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$25Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=account_research; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Account Research / $25.00/hr and $25.00 minimum" · Source

Dormant Account Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=dormant_account; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Dormant Account Fee / $5.00/month" · Source

Overdraft & NSFVerified

Non-Sufficient Funds (NSF) Item Returned$30Within the typical range ($25–$32 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=nsf; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Non-Sufficient Funds (NSF) Item Returned / $30.00" · Source
Overdraft Charge$30Within the typical range ($20–$30 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=overdraft; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Overdraft Charge / $30.00" · Source

Wire TransfersVerified

Wire Transfers: Incoming-Domestic/Foreign$15Within the typical range ($10–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=wire_intl_incoming; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Incoming-Domestic/Foreign - $15.00" · Source
Wire Transfers: Outgoing-Domestic$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=wire_domestic_outgoing; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Outgoing-Domestic - $20.00" · Source
Wire Transfers: Outgoing-Foreign$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=wire_intl_outgoing; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Outgoing-Foreign - $50.00" · Source

Check ServicesVerified

Check Copy (excessive/deposited items)$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=check_image; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Check Copy (excessive/deposited items) / $2.00" · Source
Counter Checks$3Within the typical range ($1–$4 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=counter_check; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Counter Checks / $3.00 per 12" · Source
Official Checks$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=cashiers_check; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Official Checks / $5.00" · Source
Stop Payment Fee (check/electronic funds transfer)$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=stop_payment; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Stop Payment Fee (check/electronic funds transfer) / $25.00" · Source

Cash & DepositVerified

Coin Counting$5Within the typical range ($0.10–$7.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=coin_counting; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Coin Counting / $5.00" · Source
Zipper Bags (in excess of 2)$3Below the typical range ($5–$20 nationally)
$10.75 below the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=night_deposit; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Zipper Bags (in excess of 2) - $3.00 each" · Source

Account ServicesVerified

+ drilling cost$50Within the typical range ($25–$80 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=safe_deposit_box; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="$50.00 + drilling cost" · Source
Notary Charges per signature (non-customer)$2Within the typical range ($0–$5 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=notary_fee; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Notary Charges per signature (non-customer) / $2.00" · Source
Safe Deposit Box Key Deposit$20Below the typical range ($25–$80 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=safe_deposit_box; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Safe Deposit Box Key Deposit / $20.00 (refundable if keys are returned)" · Source
Safe Deposit Late Charge$5Below the typical range ($25–$80 nationally)
$35 below the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=safe_deposit_box; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Safe Deposit Late Charge / $5.00" · Source

Other FeesVerified

Account Activity Printouts/Statement Copies$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=document_reproduction; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Account Activity Printouts/Statement Copies / $2.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=account_research; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Account Research / $25.00/hr and $25.00 minimum"	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=dormant_account; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Dormant Account Fee / $5.00/month"	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF) Item Returned	$30Within the typical range ($25–$32 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=nsf; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Non-Sufficient Funds (NSF) Item Returned / $30.00"	Source
Overdraft Charge
Wire TransfersVerified
Wire Transfers: Incoming-Domestic/Foreign	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=wire_intl_incoming; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Incoming-Domestic/Foreign - $15.00"	Source
Wire Transfers: Outgoing-Domestic
Check ServicesVerified
Check Copy (excessive/deposited items)	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=check_image; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Check Copy (excessive/deposited items) / $2.00"	Source
Counter Checks
Cash & DepositVerified
Coin Counting	$5Within the typical range ($0.10–$7.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=coin_counting; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Coin Counting / $5.00"	Source
Zipper Bags (in excess of 2)
Account ServicesVerified
+ drilling cost	$50Within the typical range ($25–$80 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=safe_deposit_box; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="$50.00 + drilling cost"	Source
Notary Charges per signature (non-customer)
Other FeesVerified
Account Activity Printouts/Statement Copies	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #1808. canonical_hint=document_reproduction; text_hash=eb17108e4f825c43f5ca76eae80a69d7e14264b4e2e4fb88b6f18bc604610e41; excerpt="Account Activity Printouts/Statement Copies / $2.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

7% above the national median overdraft fee

Total fees: 18 — leaner than most institutions

Verified fees

Under review

Assets

$424.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$424.0M

Total deposits

$376.9M

Service charge income

$86K

Fee income ratio

1.8%

Return on assets

1.23%

Branches

Service charge income by quarter

Q2 2026$86K

Q1 2026$84K

Q4 2025$105K

Q3 2025$99K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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