Horatio State Bank
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
$311.5MAssets
$263.2MLoans
$275.5MDeposits
$34.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 83% of banks under $1B in assets operating in a single state (rank 126 of 746).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating in a single state (rank 704 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state | 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 |