Horatio State Bank
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Data as of · sourced from FFIEC call reports. How we update
Horatio State Bank is an FDIC-insured commercial bank headquartered in Horatio, AR, established in 1905 (FDIC certificate 109), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $311.5M, up 3.7% from Q2 2025, the 50th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 109
- Headquarters
- Horatio, AR
- Established
- 1905
- Total assets, Q2 2026
- $311.5M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 12.03%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 082903426
- Holding company
- PIONEER BANCSHARES, INC. OF HORATIO, ARK
- Asset rank in state
- 50th of 78 in Arkansas
Horatio State Bank pays more for its money than most banks of its size. The Horatio, Arkansas bank had $312 million in assets at June 30, 2026, up 3.7% from a year earlier. It pays an average of 2.98% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.1 million, 56% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.18% of loans from 1.01% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Horatio State Bank reported a return on assets of 1.42%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 8.61%. The figures come from its call report filed with the FFIEC.
Horatio State Bank ranks as the 50th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $311.5M, loans rose 0.8% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.6% of total loans, followed by farmland and other real estate loans at 16.7%. The FDIC Summary of Deposits lists 3 offices for it, in Horatio, AR, Foreman, AR and Ashdown, AR; its Horatio office books 82% of its branch deposits. On its Q2 2026 call report, Horatio State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 123 W Main St, Horatio, AR 71842
- County
- Sevier
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 5, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $275.5M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $694K
- Average total assets
- $311.3M
- Average total loans
- $262.4M
- Average interest-bearing deposits
- $251.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 109
- Fed RSSD
- 458142
- Website
- www.horatiostatebank.com →
- Parent Holding Company
- PIONEER BANCSHARES, INC. OF HORATIO, ARK (RSSD 1139091)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Horatio State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Horatio State Bank's total assets moved between a low of $283.4M (Q3 2023) and a high of $311.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$311.5M total assets against $300.5M; $276.6M total liabilities against $268.0M.
$258.9M net loans and leases against $250.1M; $275.5M total deposits against $267.2M.
$30.6M securities against $28.2M; $11.0M cash and balances due against $10.9M.
$5.4M total interest income against $5.0M; $2.0M total interest expense against $2.2M.
$3.3M net interest income against $2.8M.
$115K total noninterest income against $53K; $1.7M total noninterest expense against $1.7M.
$325K provision for credit losses against $320K.
$1.1M net income against $709K.
1.42% return on assets against 0.94%; 4.35% net interest margin against 3.82%.
12.03% tier 1 leverage ratio against 11.66%.
Inside the full Horatio State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHoratio State Bank rankings
Its closest position to the top of a national ranking is 620 of 3,606, for efficiency ratio; its furthest is 2,403 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.17% (Q3 2024) to 1.42% (Q2 2026) and its net interest margin ran from 3.24% (Q3 2024) to 4.35% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.03% | 1.42% | 1.18% | 8.61% | 4.35% |
| Q1 2026 | 11.74% | 0.98% | 1.36% | 9.88% | 4.17% |
| Q4 2025 | 11.84% | 1.15% | 0.97% | 7.49% | 4.35% |
| Q3 2025 | 11.67% | 0.61% | 1.18% | 8.96% | 3.90% |
| Q2 2025 | 11.66% | 0.94% | 1.01% | 7.58% | 3.82% |
| Q1 2025 | 11.29% | 0.50% | 0.87% | 6.24% | 3.54% |
| Q4 2024 | 11.41% | 0.84% | 0.91% | 6.49% | 3.41% |
| Q3 2024 | 11.42% | 0.17% | 1.12% | 7.92% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Horatio State Bank (main office) | Horatio , AR | 71842 | $225.6M |
| Foreman Branch | Foreman , AR | 71836 | $42.0M |
| Ashdown Branch | Ashdown , AR | 71822 | $7.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 3, 1952 | Structure Change | Acquired Bank of Dierks Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in AR, rank 59 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 190 applications, 162 loans originated, $16.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Horatio State Bank
What are Horatio State Bank's total assets?
As of the Q2 2026 filing, Horatio State Bank reported total assets of $311.5 million in its FFIEC call report.
Where is Horatio State Bank headquartered?
It is headquartered in Horatio, AR, United States.
When was Horatio State Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Horatio State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Horatio State Bank?
Horatio State Bank's primary federal regulator is the FDIC.
How many branches does Horatio State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Horatio State Bank's Texas Ratio?
Its Texas Ratio is 8.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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