Horatio State Bank

BankHoratio, Arkansas
www.horatiostatebank.com

Total Assets

$310.6M

Total Deposits

$276.0M

Branches

3

Established

1905

TFS Health Grade

$
D

63.6 / 100

Below average financial health

How we grade

Horatio State Bank is a bank headquartered in Horatio, Arkansas, established in 1905. With $310.6M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (63.6/100).

Capital & Safety

Tier 1 Capital Ratio
11.84%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.97%

Profitability

Return on Assets (ROA)
0.80%(1%)
Return on Equity (ROE)
7.47%(10%)
Net Interest Margin
3.98%
Efficiency Ratio
56.83%(60%)

Lending & Liquidity

Total Loans
$261.8M
Loan-to-Deposit Ratio
93.35%
Net Charge-Off Ratio
0.83%

Growth

Asset Growth (YoY)
+1.23%
Deposit Growth (YoY)
+0.61%
Net Income
$2.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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