Side-by-side · Q2 2026 data
Horatio State Bank vs McCurtain County National Bank
Metric by metric
| Measure | Horatio State Bank | McCurtain County National Bank |
|---|---|---|
| TellerScore | 68 | 75 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 61 (stronger) | 45 |
| Earnings | 68 (stronger) | 66 |
| Funding & liquidity | 66 | 75 (stronger) |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 37th | 61st |
| Total assets | $311.5M | $384.2M |
| Deposits / shares | $275.5M | $323.6M |
| Capital ratio | 12.03% | 15.65% (stronger) |
| Problem loans | 1.18% (stronger) | 1.64% |
| Net charge-offs | 0.53% | 0.20% (stronger) |
| Return on assets | 1.20% (stronger) | 1.16% |
| Loans ÷ deposits | 94.0% | 43.4% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 38.0% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
McCurtain County National Bank has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Horatio State Bank leads on 3 and McCurtain County National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.