Bank call report · Horatio, AR
Horatio State Bank Call Report
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Horatio State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 286 reported line items, schedule by schedule (407 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 458142 |
| FDIC certificate number | 109 |
| Total assets | $311.5M |
Official Q2 2026 call report PDF (FFIEC) →
Horatio State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Horatio State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $311.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $311.5M |
| Total Liabilities and Minority Interest | RCON2948 | $276.6M |
| Total Deposits | RCON2200 | $275.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $263.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $258.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $253.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $36.3M |
| Total Equity Capital | RCON3210 | $34.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $34.9M |
| Deposits: Noninterest-bearing | RCON6631 | $21.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $21.6M |
| Other Assets | RCON2160 | $9.3M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $9.0M |
| Held-to-maturity Securities, Total | RCON1754 | $9.0M |
| Interest-bearing Balances | RCON0071 | $7.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.5M |
| Other Liabilities, Total | RCON2930 | $1.1M |
| Surplus | RCON3839 | $1.0M |
| Other Real Estate Owned | RCON2150 | $267K |
| Common Stock | RCON3230 | $100K |
Schedule RI: Income Statement (39 items)
About Schedule RI · Horatio State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $10.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $9.9M |
| Net Interest Income | RIAD4074 | $6.5M |
| Total Interest Expense | RIAD4073 | $4.1M |
| Total Noninterest Expense | RIAD4093 | $3.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.5M |
| Salaries and Employee Benefits | RIAD4135 | $2.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $2.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.9M |
| Net Income (Loss) | RIAD4340 | $1.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.9M |
| Other Noninterest Expense | RIAD4092 | $957K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $923K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $821K |
| Provision for Loan and Lease Losses | RIAD4230 | $750K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $750K |
| Applicable Income Taxes | RIAD4302 | $592K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $509K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $442K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $422K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $269K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $218K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $167K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $147K |
| Interest on Other Securities | RIAD4060 | $135K |
| Total Noninterest Income | RIAD4079 | $110K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $100K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $89K |
| Other Noninterest Income | RIADB497 | $82K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$71K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$21K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $20K |
| Noninterest income: Income from insurance activities | RIADHT74 | $20K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 50 |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · Horatio State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Pledged Securities | RCON0416 | $25.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $25.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $20.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $17.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $17.4M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $9.0M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $7.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $7.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $4.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $2.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.5M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $2.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $2.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $1.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $985K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $984K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $710K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $556K |
| Amortized Cost of Structured Notes | RCON8782 | $500K |
| Fair Value of Structured Notes | RCON8783 | $467K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $249K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $147K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $33K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Horatio State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Pledged Loans and Leases | RCONG378 | $263.2M |
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $263.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $87.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $72.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $64.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $43.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $43.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $42.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $34.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $30.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $25.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $24.3M |
| Commercial and Industrial Loans | RCON1766 | $21.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $17.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $17.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $12.3M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $11.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $10.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $7.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $6.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $1.4M |
| Other Loans | RCONJ464 | $1.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $741K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $596K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $532K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $433K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $377K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $353K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $189K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $12.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $8.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $8.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $6.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $6.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $4.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $3.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $3.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $3.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $813K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 273 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 192 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 76 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 69 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 50 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 32 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 31 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 31 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 30 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 27 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 23 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 5 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Horatio State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $222.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $201.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $128.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $75.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $71.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $67.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $57.1M |
| Total Transaction Accounts | RCON2215 | $52.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $49.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $44.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $40.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $37.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $37.6M |
| Total Brokered Deposits | RCON2365 | $37.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $34.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $30.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $21.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $21.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $17.1M |
| Total reciprocal deposits | RCONJH83 | $13.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $13.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $9.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $8.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $6.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.5M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $1.3M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $1.3M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $4.5M |
| Accrued Interest Receivable | RCONB556 | $2.6M |
| Net Deferred Tax Assets | RCON2148 | $1.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $373K |
| Other Assets | RCON2168 | $264K |
| Prepaid Expenses | RCON2166 | $157K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $441K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $435K |
| All Other Liabilities | RCON2938 | $185K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $4K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Horatio State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $311.3M |
| Quarterly Average of Total Loans | RCON3360 | $262.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $138.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $87.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $87.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $52.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $50.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $31.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $30.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $22.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $21.9M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $12.0M |
| All Other Securities | RCONB560 | $10.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $9.9M |
| Mortgage-backed Securities | RCONB559 | $784K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Horatio State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.1M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $231K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Horatio State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $855K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $136K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $131K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (26 items)
About Schedule RC-N · Horatio State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.7M |
| Additions to Nonaccrual Assets | RCONC410 | $1.6M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.6M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1.5M |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $1.1M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $795K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $695K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $614K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $517K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $414K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $297K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $290K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $226K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $161K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $147K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $126K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $124K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $93K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $77K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $65K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $56K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $39K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 90 Days or More and Still Accruing | RCON1597 | $14K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $9K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Horatio State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $311.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $276.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $177.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $80.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $37.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $14.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,447 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 285 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 176 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 8 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Horatio State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $311.5M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $311.3M |
| Average total consolidated assets | RCOAKW03 | $311.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $37.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $37.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $37.4M |
| Retained Earnings | RCOAKW00 | $36.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $34.9M |
| Unconditionally Cancellable Commitments | RCOAS540 | $6.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.1M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $231K |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $231K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1203 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0007 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $34.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $33.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $33.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $588K |
| Other Comprehensive Income | RIADB511 | -$148K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (12 items)
About Schedule RI-B, Part I · Horatio State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $838K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $397K |
| Charge-offs on Automobile Loans | RIADK129 | $374K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $144K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $91K |
| Recoveries on Automobile Loans | RIADK133 | $43K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $33K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $28K |
| Charge-offs on All Other Loans | RIAD4644 | $6K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $5K |
| Recoveries on All Other Loans | RIAD4628 | $4K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Horatio State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $838K |
Horatio State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Horatio State Bank call report?
The Horatio State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Horatio State Bank file?
Horatio State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Horatio State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Horatio State Bank has Federal Reserve RSSD ID 458142 and FDIC certificate number 109. Either one finds its filings on the FFIEC Central Data Repository.
How often does Horatio State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Horatio State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 109) · FFIEC NIC profile (RSSD 458142)