HORATIO STATE BANK

HORATIO, AR | Small | Est. May 5, 1905, midnight | FDIC #109 | RSSD #458142 | FDIC
Latest Report: 2025-12-31

HORATIO STATE BANK is asn small FDIC-insured commercial bank headquartered in HORATIO, AR, established in May 5, 1905, midnight. As of 2025-12-31, the bank reported total assets of $311M and total deposits of $276M. Profitability stands at 1.14% ROA and 10.49% ROE, with a net interest margin of 4.60%. The bank's CET1 capital ratio is 10.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 5.29%. FDIC Certificate #109.

Assets

$311M

Deposits

$276M

Loans

$262M

Equity

$34M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 10.49%
Net Interest Margin (NIM) 4.60%
Yield on Assets 7.56%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio 0.81%
Texas Ratio 5.29%
NPA Ratio 0.65%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 10.88%
Tier 1 Capital 10.88%
Total Capital Ratio 11.42%
Leverage Ratio 11.84%
Loan-to-Deposit 94.86%

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