$312M
+1.3%y/y
Percentile by value4th percentileby value
FDIC
ASSETHS
Horatio State Bank
Horatio, ArkansasFDIC Cert #109
STATEEstablished 19053 branches
Holding company: PIONEER BANCSHARES HORATIO ARKRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportHoratio State Bank reported $312M in total assets. Deposits grew 0.62% over the prior year.
Return on assets was 0.98%, compared with an asset-peer median of 1.22%. The leverage ratio was 11.74%.
- Why is Total Assets below asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$277M
+0.6%y/y
Percentile by value8th percentileby value
FDIC
DEP$257M
+2.5%y/y
Percentile by value27th percentileby value
FDIC
LNLSNET0.98%
+49 bpsy/y
Peer standing34th percentile
FDIC
NETINC + ROA54.98%
−530 bpsy/y
Peer standing72nd percentile
FDIC
NONIX + NIM + NONII + EEFFR11.74%
+45 bpsy/y
Peer standing67th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $240M | $210M |
| Q3 2021 | $239M | $208M |
| Q4 2021 | $243M | $212M |
| Q1 2022 | $250M | $219M |
| Q2 2022 | $250M | $221M |
| Q3 2022 | $257M | $227M |
| Q4 2022 | $265M | $235M |
| Q1 2023 | $271M | $241M |
| Q2 2023 | $279M | $248M |
| Q3 2023 | $283M | $252M |
| Q4 2023 | $290M | $259M |
| Q1 2024 | $301M | $269M |
| Q2 2024 | $298M | $266M |
| Q3 2024 | $301M | $268M |
| Q4 2024 | $307M | $274M |
| Q1 2025 | $308M | $275M |
| Q2 2025 | $300M | $267M |
| Q3 2025 | $303M | $269M |
| Q4 2025 | $311M | $276M |
| Q1 2026 | $312M | $277M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $25.7M |
| Investor CRE | $6.43M |
| Multifamily | $526K |
| Construction | $11.1M |
| 1–4 family | $87.9M |
| C&I | $21.4M |
| Agriculture | $54.6M |
| Other | $53.3M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.98%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE9.03%31st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.26%73rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.98%72nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+0.62%25th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+2.48%31st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.36%20th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ11.74%67th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.16%17th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.98%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.69%Median 1.24%90th 2.04%Observations 78
ROE
FDIC
NETINC + ROE9.03%23rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.19%Median 11.80%90th 19.41%Observations 78
NIM
FDIC
NIM + NIMY4.26%66th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.05%90th 4.87%Observations 78
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.98%69th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.82%Median 59.70%90th 77.70%Observations 78
Deposits YoY
FDIC
DEP+0.62%19th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.85%Median +5.44%90th +15.40%Observations 78
Loans YoY
FDIC
LNLSNET+2.48%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.76%Median +6.31%90th +17.60%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.36%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.67%90th 2.39%Observations 78
Leverage
FDIC
RBC1AAJ11.74%62nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.09%Median 10.90%90th 15.93%Observations 78
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.16%19th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.70%90th 3.34%Observations 78
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 72%Median 238%90th 298%Observations 36
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.98%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.70%Median 1.15%90th 1.90%Observations 29
ROE
FDIC
NETINC + ROE9.03%18th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.49%Median 12.52%90th 20.52%Observations 29
NIM
FDIC
NIM + NIMY4.26%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.18%Median 3.84%90th 4.71%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.98%75th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.73%Median 63.35%90th 77.73%Observations 29
Deposits YoY
FDIC
DEP+0.62%18th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.18%Median +4.09%90th +16.49%Observations 29
Loans YoY
FDIC
LNLSNET+2.48%32nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.52%Median +6.40%90th +17.76%Observations 29
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.36%18th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.59%90th 2.56%Observations 29
Leverage
FDIC
RBC1AAJ11.74%75th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.16%Median 10.63%90th 13.45%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.16%14th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.10%Median 2.76%90th 3.27%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 95%Median 200%90th 288%Observations 11
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Horatio, AR
FDIC
OFFDOMOpen the Arkansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data