Heritage State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Heritage State Bank is a locally owned and operated financial institution serving the banking needs of its community. The bank offers business solutions, such as checking and business money market accounts, business credit cards, sweep accounts and merchant credit card processing.

Heritage State Bank offers services for individuals, such as liberty and Heritage club checking, money orders, cashier checks, traveler s checks, savings bonds, debit and VISA cards, safe deposit boxes, certificates of deposit, loans and more.

Lamar Bank
1109 S Gulf
Lamar, MO 64759
Phone: (417) 682-3574

El Dorado Springs Bank
724 E Hwy 54
El Dorado Springs, MO 64744
Phone: (417) 876-5400

Nevada Bank
1625 Hedges Plaza
Nevada, MO 64772
Phone: (417) 667-7297

Carthage Bank
2813 The Loop
Carthage, MO 64836
(417) 237-0096

Sheldon Bank
3rd and Main Street
Sheldon, MO 64784
(417) 884-2223