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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.84% | 0.50% | 0.93% | 0.62% | 1.14% | 0.98% | 1.42% | +48 bps | |
| Return on Equity | 1.64% | 8.04% | 4.80% | 8.82% | 5.69% | 10.49% | 9.03% | 12.81% | +399 bps | |
| Net Interest Margin | 3.17% | 3.33% | 3.46% | 3.74% | 3.81% | 4.25% | 4.07% | 4.27% | +53 bps | |
| Efficiency Ratio | 64.86% | 59.38% | 60.28% | 60.46% | 56.52% | 51.14% | 54.98% | 48.04% | -1,242 bps | |
| Non-Interest Burden | 1.99% | 1.94% | 2.05% | 2.23% | 2.14% | 2.12% | 2.24% | 1.97% | -26 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 | 0.79% | 0.63% | 1.02% | 0.90% | 0.78% | 0.62% | 0.62% | 0.44% | -46 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 | |