Horatio State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 22.15 percentage points higher than in Q1 2026, at 122.63%. Within Arkansas, Horatio State Bank is 35th of 78 on return on assets, 1.42% as of Q2 2026. Horatio State Bank reported 1.42% on return on assets for Q2 2026, 0.16 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.03% |
| Equity capital to assets | 11.21% |
| Tangible equity to tangible assets | 11.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.30% |
| Non-performing assets ratio | 1.19% |
| Net charge-off ratio | 0.45% |
| Texas ratio | 8.61% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 122.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 12.81% |
| Net interest margin | 4.35% |
| Efficiency ratio | 47.94% |
| Yield on earning assets | 7.00% |
| Cost of funds | 2.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.51% |
| Core deposits to total deposits | 68.40% |
| Brokered deposits to total deposits | 13.64% |
| Deposits to assets | 88.45% |
| Securities to assets | 9.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.25% | 0.99% | 3.45% | 1.91% | 0.30% |
| Q4 2023 | 11.84% | -0.62% | 3.25% | 1.51% | 1.80% |
| Q1 2024 | 11.70% | 0.68% | 3.28% | 1.50% | 0.31% |
| Q2 2024 | 11.61% | 0.59% | 3.34% | 1.23% | 0.50% |
| Q3 2024 | 11.42% | 0.17% | 3.24% | 1.66% | 0.80% |
| Q4 2024 | 11.41% | 0.84% | 3.41% | 1.56% | 0.63% |
| Q1 2025 | 11.29% | 0.50% | 3.54% | 1.46% | 1.02% |
| Q2 2025 | 11.66% | 0.94% | 3.82% | 1.44% | 0.90% |
| Q3 2025 | 11.67% | 0.61% | 3.90% | 1.58% | 0.78% |
| Q4 2025 | 11.84% | 1.15% | 4.35% | 1.37% | 0.63% |
| Q1 2026 | 11.74% | 0.98% | 4.17% | 1.59% | 0.62% |
| Q2 2026 | 12.03% | 1.42% | 4.35% | 1.30% | 0.45% |
Horatio State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Horatio State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Horatio State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 109) · FFIEC NIC profile (RSSD 458142)