HORATIO STATE BANK is an 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%. CET1 capital ratio: 10.88%, well above regulatory minimums. NPL ratio: 0.65% · Texas Ratio: 5.29%. Operates 3 domestic branches.
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