Horatio, AR · Cert 109 · Pioneer Bancshares Horatio Ark
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
14
Profitability
63
Liquidity
21
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Horatio, AR · Cert 109 · Pioneer Bancshares Horatio Ark
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 1.6% share · #13 of 19 inst. · $0.0B of $3.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.57% | 0.50% | 0.71% | 0.68% | 0.80% | 0.98% | 1.20% | +49 bps | |
| Return on Equity | 4.52% | 5.41% | 4.80% | 6.82% | 6.43% | 7.47% | 9.03% | 10.92% | +410 bps | |
| Net Interest Margin | 3.17% | 3.18% | 3.46% | 3.63% | 3.68% | 3.80% | 4.07% | 4.17% | +54 bps | |
| Efficiency Ratio | 62.17% | 61.44% | 60.28% | 60.37% | 59.05% | 56.83% | 54.98% | 51.36% | -901 bps | |
| Non-Interest Burden | 1.92% | 1.90% | 2.05% | 2.16% | 2.14% | 2.13% | 2.24% | 2.11% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.03% | 5.88% | 2.32% | 0.70% | 0.65% | 1.23% | 1.29% | 3.67% | +298 bps | |
| Loan Growth (YoY) | 8.37% | 7.63% | 4.47% | 2.02% | 0.85% | 2.56% | 2.42% | 3.58% | +155 bps | |
| Deposit Growth (YoY) | 6.40% | 6.12% | 2.26% | 0.31% | 0.19% | 0.61% | 0.62% | 3.12% | +281 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.12% | 0.91% | 0.87% | 1.01% | 1.18% | 0.97% | 1.36% | 1.18% | +16 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.55% | 1.02% | 0.96% | 0.90% | 0.81% | 0.62% | 0.53% | -44 bps | |
| Allowance / Loans | 1.66% | 1.68% | 1.66% | 1.57% | 1.61% | 1.59% | 1.60% | 1.60% | +3 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.8x | 1.9x | 1.5x | 1.4x | 1.6x | 1.2x | 1.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 11.41% | 11.29% | 11.66% | 11.67% | 11.84% | 11.74% | 12.03% | +37 bps | |
| Total Risk-Based Capital | 11.42% | 11.41% | 11.29% | 11.66% | 11.67% | 11.84% | 11.74% | 12.03% | +37 bps | |
| Equity / Assets | 10.57% | 10.31% | 10.35% | 10.80% | 10.90% | 10.88% | 10.91% | 11.21% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.51% | 93.06% | 92.66% | 95.09% | 95.14% | 94.86% | 94.31% | 95.51% | +42 bps | |
| Liquid Assets / Assets | 6.60% | 7.34% | 7.94% | 6.01% | 5.35% | 6.14% | 6.55% | 5.34% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 127.53% | 125.73% | 119.73% | n/a | n/a | |
Horatio, AR · Cert 109 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Pioneer Bancshares Horatio Ark
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.20%
Rank 299 of 746
Net Interest Margin
4.17%
Rank 180 of 746
Efficiency Ratio
51.36%
Rank 126 of 746
Equity / Assets
11.21%
Rank 302 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.72% | 1.06% | 1.45% | Beats 60% | 299 / 746 | ||
| Return on Equity | 10.71% | 6.74% | 10.51% | 13.63% | Beats 52% | 358 / 746 | ||
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 76% | 180 / 746 | ||
| Efficiency Ratio | 51.36% | 55.74% | 64.58% | 75.47% | Beats 83% | 126 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.09% | 0.42% | 1.07% | Beats 23% | 575 / 743 | ||
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.01% | 0.05% | Beats 5% | 704 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 11.55% | 13.75% | 17.60% | Beats 32% | 507 / 746 | ||
| Total Risk-Based Capital Ratio | 12.03% | 11.71% | 14.33% | 18.43% | Beats 28% | 536 / 746 | ||
| Equity / Assets | 11.21% | 8.90% | 10.51% | 13.06% | Beats 60% | 302 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.51% | 61.31% | 78.27% | 90.78% | 85th pctl | 112 / 746 | ||
| Loans / Assets | 84.48% | 53.60% | 66.97% | 76.08% | 94th pctl | 43 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||