Horatio State Bank is a state-chartered bank headquartered in Horatio, Arkansas, in business for about 121 years. At the end of Q2 2026 it reported $311.5M in total assets and $275.5M in deposits, with 3 offices.
Based on its Q2 2026 filing, Horatio State Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 43rd. Its strongest component is problem-loan coverage (83/100; 8.6%), and its lowest is loan quality (61/100; 1.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (65 → 68), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 61 |
| Q4 2024 | 64 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 63 |
| Q4 2025 | 66 |
| Q1 2026 | 64 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.61% |
| Q3 2024 | 11.42% |
| Q4 2024 | 11.41% |
| Q1 2025 | 11.29% |
| Q2 2025 | 11.66% |
| Q3 2025 | 11.67% |
| Q4 2025 | 11.84% |
| Q1 2026 | 11.74% |
| Q2 2026 | 12.03% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.12% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.01% |
| Q3 2025 | 1.18% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $311.5M | 12.03% | 1.18% | 1.20% | 94.0% |
| Q1 2026 | 64 | $311.8M | 11.74% | 1.36% | 0.98% | 92.8% |
| Q4 2025 | 66 | $310.6M | 11.84% | 0.97% | 0.80% | 93.4% |
| Q3 2025 | 63 | $302.5M | 11.67% | 1.18% | 0.68% | 93.6% |
| Q2 2025 | 65 | $300.5M | 11.66% | 1.01% | 0.71% | 93.6% |
| Q1 2025 | 64 | $307.8M | 11.29% | 0.87% | 0.50% | 91.1% |
| Q4 2024 | 64 | $306.8M | 11.41% | 0.91% | 0.57% | 91.5% |
| Q3 2024 | 61 | $300.5M | 11.42% | 1.12% | 0.47% | 92.9% |
| Q2 2024 | 63 | $298.4M | 11.61% | 1.13% | 0.63% | 92.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples BankBank Sheridan, AR | 90 out of 100, Very strong | $313.8M | 13.3% | 0.03% | vs |
| Merchants and Farmers BankBank Dumas, AR | 50 out of 100, Below average | $297.6M | 10.7% | 2.40% | vs |
| First National Bank Of CommerceBank Walnut Ridge, AR | 80 out of 100, Strong | $296.6M | 10.6% | 0.17% | vs |
| United BankBank Springdale, AR | 74 out of 100, Strong | $296.0M | 10.7% | 0.10% | vs |
| First State BankBank Lonoke, AR | 77 out of 100, Strong | $328.1M | 11.2% | 0.00% | vs |
| Bank of EnglandBank England, AR | 57 out of 100, Moderate | $332.3M | 19.9% | 4.26% | vs |
Deposit insurance
Is my money safe at Horatio State Bank?
Yes. Horatio State Bank is an FDIC-insured institution (FDIC certificate #109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.7% of deposits ($37.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Horatio State Bank lists 3 offices in 3 cities. Most locations:
- Ashdown, AR (1)
- Foreman, AR (1)
- Horatio, AR (1)
HMDA 2025
Mortgage lending
In 2025, Horatio State Bank reported 190 home-loan applications under HMDA (LEI 5493006ZPOXWU5V4FT07): 162 originated ($16,300,000 total), 16 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Horatio State Bank
- Former names
- Bank of Gillham
- Type
- State-chartered bank
- FDIC certificate #
- 109
- RSSD ID
- 458142
- Primary regulator
- FDIC
- Holding company
- Pioneer Bancshares Horatio Ark
- Established
- May 5, 1905
- Headquarters
- 123 W Main St, Horatio, AR 71842
- Website
- www.horatiostatebank.com
- Employees
- 50
Quick answers
Horatio State Bank: common questions
Is Horatio State Bank FDIC insured?
Yes. Horatio State Bank is an FDIC-insured institution (FDIC certificate #109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Horatio State Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Horatio State Bank ever failed?
There is no failure record for FDIC certificate #109 in the FDIC failed bank list.
How many branches does Horatio State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Horatio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Valliant, OK | 79 out of 100, Strong | $100.3M | 10.9% | 0.43% | vs |
| Red River Employees Federal Credit UnionCredit union Texarkana, TX | 77 out of 100, Strong | $1.6B | 13.9% | 0.94% | vs |
| McCurtain County National BankBank Broken Bow, OK | 75 out of 100, Strong | $384.2M | 15.7% | 1.64% | vs |
| Diamond BankBank Murfreesboro, AR | 69 out of 100, Moderate | $957.2M | 10.0% | 0.58% | vs |
| FirstBankBank Antlers, OK | 69 out of 100, Moderate | $684.3M | 10.8% | 0.82% | vs |
| First State Bank of DeQueenBank De Queen, AR | 64 out of 100, Moderate | $525.1M | 8.5% | 1.23% | vs |