A Proud Heritage. A Promising Future.
THE EARLY YEARS (Click to read more)
Ozark Bank was established in 1906 as Ozark Savings Bank by 15 local investors. The bank opened with $10,000 in stock, five Directors, and a staff of four employees.
These historic pictures are authentic, original photos from Ozark Bank's archives. Today, third generation family members of some of the original investors continue the traditions of a home-owned, independent community bank.
The original banking location was opened on the East side of the Ozark public square and for a short time was temporarily relocated to the North side of the square. Today, our main banking branch encompasses the original site and, in response to our growing community, has been remodeled and/or expanded six times.
In 1937, authority was granted to omit the word "Savings" from our name simplifying it to Ozark Bank. At the same time, capital stock was increased to $25,000.
THE EXPANSION YEARS (Click to read more)
In 1970, Ozark Bank built its first drive- through branch located on West Jackson Street and in 1989, expanded again with a new branch at the intersection of Highways 65 and CC between Ozark and Springfield.
By 1991, growth in the Nixa community allowed Ozark Bank to open a new branch near the corner of US 160 and Highway 14 in Nixa to serve customers in western Christian County. An accidental fire destroyed the Hwy CC/65 branch in March of 2002 which has been replaced by a new branch nearby at the corner of Highways NN and J in northern Ozark.
KEY PLAYERS (Click to read more)
Commitment to the community and dedication to Ozark Bank has consistently been modeled to employees, customers and the public over the years. The example set by two recent owners, Chlorene Hedgpeth and Dan Hedgpeth (Chlorene’s son,) provides a legacy that continues to be followed at Ozark Bank.
Chlorene served in many capacities, from general clerk to President & CEO, Chairman and most recently as Chairman Emeritus. She was well known for her unwavering commitment to Ozark Bank. Never retiring, she worked every day for over 53 years at the bank. For nearly 50 of those years, she was the first to arrive and the last to leave. She greeted customers by name and always wished them a good day. Chlorene was honored in 2010 by the Missouri Bankers Association as a member of the 50-Year club. Through her involvement with multiple professional associations and organizations, she helped ensure the highest standards of conduct and performance in the state banking industry. Her example continues to be an inspiration to every member of the Ozark Bank family.
Dan was Executive Officer and Director of Ozark Bank for 34 years before his death in 2009. He enjoyed his many banking friends and family. During the early 1980's, Dan served as President of the Ozark Chamber of Commerce and was involved in many civic activities. Like Chlorene, he is fondly remembered as a warm and friendly representative who modeled the values central to the success of Ozark Bank.
Traditional Values and 21st Century Technology
Ozark Bank is the only remaining home owned bank in Christian County. Chartered in 1906, Ozark Bank is in its 110th year of service to the residents of Christian County and surrounding communities. Ozark Bank was founded by a group of local businessmen with a vision to improve Ozark and Christian County by providing banking services and loans that would help the community grow and prosper.
Through chamber of commerce involvement and support for organizations such as Sertoma, Relay for Life, Care to Learn, and many others, Ozark Bank is committed to working side by side with our friends and neighbors to improve the lives of Christian County residents. Our commitment to the community also produces strong loyalty from our staff that leads to longevity and stability. The average length of service for our employees is over 8 years, with 17 of our 59 employees serving 10 years or longer. When you walk in to one of our branches, you will see a familiar face and you will be greeted with a warm smile. We focus on getting to know our customers by name. We always have coffee out and encourage our customers to enjoy a cup and visit.
The dramatic advances in technology allow our customers ready access to their accounts. With mobile banking, customers can transfer money and pay bills and even deposit checks without bringing them into the bank. We are excited to see the next generation of technology that will likely include person to person payments, Apple Pay and who knows what else! The new technology allows Ozark Bank to deliver all the services that the big banks deliver, yet we do so with a focus on what is right for the customer. All of these changes allow us to spend more time with our customers, focusing on their specific needs when they come into the bank or when we meet them at their business.
One thing that hasn’t changed at Ozark Bank is our commitment to doing things right – and doing the right things. Throughout the years, we have continued to focus on making loans that made sense for both the borrower and for the bank. We know that over time, most customers will need multiple services, based on their life stage. Whether it is checking accounts or auto, mortgage and business loans; investment guidance to estate planning, we approach each need with a focus on delivering value.
We have been helping build Christian County for the past 110 years. The methods and technology have changed, but the values remain the same.