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Horatio State Bank
Horatio, AR · FDIC Certificate #109 · Chartered 05/0
Total assets
$311.50M
Total deposits
$275.52M
Total equity
$34.92M
Net loans
$258.95M
Branches (offices)
3
Net income (YTD)
$1.87M
Rank: #2,413 of 4,213 U.S. banks by assets · #50 of 78 in Arkansas. Assets changed 3.7% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 10.92% |
| Net interest margin (YTD) | 4.37% |
| Equity to assets | 11.21% |
| Tier 1 leverage ratio | 12.03% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 1.18% |
| Net charge-offs (share of loans) | 0.53% |
| Loans to deposits | 94.0% |
| Real estate loans (share of loans) | 67.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $175.35M | 67.7% | |
| Commercial & industrial | $21.81M | 8.4% | |
| Consumer / individual | $52.45M | 20.3% | |
| Construction & development | $10.41M | 4.0% | |
| Agricultural | $11.74M | 4.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $250.46M | $220.59M | $1.68M | $29.62M |
| Jun 2023 | $279.17M | $247.86M | $1.58M | $30.66M |
| Jun 2024 | $298.39M | $266.36M | $928.00K | $31.27M |
| Jun 2025 | $300.47M | $267.19M | $1.09M | $32.44M |
| Jun 2026 | $311.50M | $275.52M | $1.87M | $34.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $275.52M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $275.52M.
Similar-sized banks
Citizens State Bank Of Loyal ($311.54M) · 1St Bank Of Sea Isle City ($311.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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