blog

Behind the Board: Steve Ehrhardt

Written by Heritage Bank of the Ozarks | June 2025
  • How did you become involved with Heritage Bank of the Ozarks?  

    • Bill asked if I’d be interested in becoming an investor and charter director. My dad had been involved with a community bank in our hometown of Hannibal for many years, and he encouraged me to get involved. It’s been a great opportunity for diversification and has exposed me to a wide variety of businesses. I’ve learned a lot about business and have had the chance to meet some incredible people along the way. 

  • What excites you about community banking?  

    • It allows dreams to come true. Community banks have been the catalyst for the success of our family businesses.  

  • Can you tell us a little about your career path?  

    • Growing up in a family business, Hardee’s, I got an early start mowing grass, unloading trucks, running shifts, and helping open new stores. After earning a degree in accounting and spending a few years gaining experience on my own, I returned to the family business. In the late '90s, we transitioned into hospitality, and hotels have been our core focus ever since. We’ve been fortunate to build a strong team along the way—people who work hard every day to serve our customers well.

  • What does a typical day look like for you?  

    • Early rise around 5 am, coffee, prayer, email, workout (most days), shower, and then off to pester one of my GMs.  

  • What values guide your leadership or business decisions?  

    • Servant's attitude. Empower your TEAM

  • What’s one piece of advice you often share?   

    • Continuous improvement, ALWAYS be looking for something better in all that you do. 

  • What’s your go-to coffee order—or favorite way to start the day?  

    • Fresh-brewed Dunkin medium roast coffee

  • If you weren’t doing what you do now, what would your dream job be?  

    • I'm lucky to be doing my dream job!