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SBA lender · 7(a) program
Heritage Bank of the Ozarks
Heritage Bank of the Ozarks has approved 106 SBA loans worth $28.3M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#963
<0.01% of all SBA dollars
Total approved
$28.3M
FY2010 onward
Loans
106
Median loan
$100,000
-44% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
7.7%
65 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Heritage Bank of the Ozarks’s numbers say
Heritage Bank of the Ozarks sits in the long tail of the SBA lending field, having approved 106 loans for a gross total of $28.3M since fiscal 2010. Its median loan of $100,000 is well below the $180,000 national median, typical of a lender leaning on SBA Express and smaller working-capital facilities.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 7.7% were charged off, right at the national figure. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 40% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where Heritage Bank of the Ozarks lends
| State | Loans | Share |
|---|---|---|
| Missouri | 106 |
Franchise brands Heritage Bank of the Ozarks financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Dairy Queen Grill & Chill | 1 | $51K | |
| Kampgrounds of America | 1 | $578K | |
| Jersey Mike’s Subs; Jersey Mike’s | 1 | $604K |
Brands with the most Heritage Bank of the Ozarks SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Heritage Bank of the Ozarks made 57 of these loans under the SBA Express programme, median $41,000. Compare SBA Express lenders.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from Heritage Bank of the Ozarks. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Questions about Heritage Bank of the Ozarks
- How many SBA loans has Heritage Bank of the Ozarks approved?
- Heritage Bank of the Ozarks has approved 106 SBA loans totalling $28,319,800 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Heritage Bank of the Ozarks SBA loan size?
- The median gross approval is $100,000, with the middle 80% of loans falling between $25,000 and $661,500. The national median across all SBA lenders is $180,000.
- What interest rate does Heritage Bank of the Ozarks charge on SBA 7(a) loans?
- The median initial note rate on Heritage Bank of the Ozarks's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Heritage Bank of the Ozarks's SBA loan charge-off rate?
- 7.7% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
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