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Horatio State Bank

Horatio, AR · Cert 109 · Pioneer Bancshares Horatio Ark

State charter, non-member · FDIC · 3 branches

Q2 2026

$311.5MAssets
$263.2MLoans
$275.5MDeposits
$34.9MEquity
Loan mix
70%RE $174.6M9%C&I $21.4M21%Consumer $52.2MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $253.9M8%Noninterest $21.6MQ3 2024Q2 2026

Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 1.6% share · #13 of 19 inst. · $0.0B of $3.1B

38.1% Sevier
37.4% Little River

Executive Summary

  • Earnings: ROA of 1.20%, up 49 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 1.18% of loans (+16 bps YoY), with net charge-offs at 0.53%.
  • Capital: tier 1 leverage ratio of 12.03%, up 37 bps from a year ago.
  • Funding: loans stand at 95.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.20%+49 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+54 bps YoY

Efficiency Ratio (YTD, annualized)

51.36%-901 bps YoY

Tier 1 Leverage Ratio

12.03%+37 bps YoY

NIM

6.42%Q2 ’246.56%Q2 ’256.77%Q2 ’26+13%+15%

Non-interest income vs. expense

2.04%Q2 ’242.24%Q2 ’252.18%Q2 ’26+13%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.57%0.50%0.71%0.68%0.80%0.98%1.20%+49 bps
Return on Equity4.52%5.41%4.80%6.82%6.43%7.47%9.03%10.92%+410 bps
Net Interest Margin3.17%3.18%3.46%3.63%3.68%3.80%4.07%4.17%+54 bps
Efficiency Ratio62.17%61.44%60.28%60.37%59.05%56.83%54.98%51.36%-901 bps
Non-Interest Burden1.92%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 / Loans1.12%0.91%0.87%1.01%1.18%0.97%1.36%1.18%+16 bps
Net Charge-Offs / Loans0.52%0.55%1.02%0.96%0.90%0.81%0.62%0.53%-44 bps
Allowance / Loans1.66%1.68%1.66%1.57%1.61%1.59%1.60%1.60%+3 bps
Allowance Coverage of NPLs1.5x1.8x1.9x1.5x1.4x1.6x1.2x1.4x-0.2x
Capital
Tier 1 Leverage Ratio11.42%11.41%11.29%11.66%11.67%11.84%11.74%12.03%+37 bps
Total Risk-Based Capital11.42%11.41%11.29%11.66%11.67%11.84%11.74%12.03%+37 bps
Equity / Assets10.57%10.31%10.35%10.80%10.90%10.88%10.91%11.21%+41 bps
Liquidity & Funding
Loans / Deposits94.51%93.06%92.66%95.09%95.14%94.86%94.31%95.51%+42 bps
Liquid Assets / Assets6.60%7.34%7.94%6.01%5.35%6.14%6.55%5.34%-67 bps
CRE / Total Capitaln/an/an/an/a127.53%125.73%119.73%n/an/a