BanksHORATIO STATE BANK

HORATIO STATE BANK

HORATIO, ARSmallEst. May 5, 1905, midnightFDIC #109RSSD #458142FDIC
Latest · 2025-12-31

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.

Assets
$311M
Deposits
$276M
Loans
$262M
Equity
$34M

Profitability

Return on Assets (ROA)1.14%
Return on Equity (ROE)10.49%
Net Interest Margin4.60%
Yield on Assets7.56%
Cost of Funds3.07%

Asset Quality

NPL Ratio0.65%
Net Charge-Off Ratio0.81%
Texas Ratio5.29%
NPA Ratio0.65%
ACL / Loans1.59%

Capital & Liquidity

CET1 Ratio10.88%
Tier 1 Capital10.88%
Total Capital Ratio11.42%
Leverage Ratio11.84%
Loan-to-Deposit94.86%

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