Horatio State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Horatio State Bank of Horatio, AR against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.25% | +0.17% | 58th above |
| ROAE | 12.81% | 12.22% | +0.59% | 52nd above |
| Net Interest Margin | 4.35% | 3.95% | +0.40% | 72nd above |
| Efficiency Ratio | 47.94% | 63.71% | -15.77% | 84th top |
| PPNR / Avg Assets | 2.30% | — | — | 83rd top |
| Yield on Earning Assets | 7.00% | 5.67% | +1.33% | 95th top |
| Cost of Funds | 2.98% | 1.87% | +1.11% | 6th bottom |
| Net Interest Spread | 3.81% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 0.88% | +0.30% | 24th bottom |
| NPA / Total Assets | 1.08% | — | — | 18th bottom |
| NCO / Avg Loans | 0.45% | 0.15% | +0.30% | 7th bottom |
| ACL / Total Loans | 1.60% | — | — | 84th top |
| ACL / NPLs (Coverage) | 135.76% | — | — | 36th below |
| Texas Ratio | 8.61% | 5.96% | +2.65% | 21st bottom |
| Provision / NCO | 111.30% | — | — | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.03% | 11.75% | +0.28% | 65th above |
| Equity / Assets | 11.21% | 10.98% | +0.23% | 62nd above |
| TCE / Tangible Assets | 11.21% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.51% | 80.44% | +15.07% | 17th bottom |
| Core Deposit Ratio | 68.40% | 86.95% | -18.55% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.67% | — | — | 44th below |
| Loan Growth (Y/Y) | 3.58% | — | — | 39th below |
| Deposit Growth (Y/Y) | 3.12% | — | — | 43rd below |
See Horatio State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Horatio State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Horatio State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Horatio State Bank peer analysis.