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BDI
HS

Horatio State Bank

Horatio, ArkansasFDIC Cert #109

STATEEstablished 19053 branches

Holding company: PIONEER BANCSHARES HORATIO ARKRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.56%
−26.0%y/y
Peer standing14th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.49%
+220.6%y/y
Peer standing6th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.87%
+21.9%y/y
Peer standing27th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
1.36%
+57.1%y/y
Peer standing20th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.21%
+65.4%y/y
Peer standing15th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$3.77M
+67.6%y/y
Peer standing28th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.62%
−39.8%y/y
Peer standing4th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$402K
−38.3%y/y
Peer standing5th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.60%
−3.6%y/y
Percentile by value85th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$4.08M
−24.3%y/y
Peer standing22nd percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$1.28M
+228.4%y/y
Peer standing7th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$2.27M
+24.8%y/y
Peer standing34th percentile
Peer standing in asset:300m_1b
FDICNAASSET