Horatio State Bank
Horatio, AR
IDRSSD: 458142
Total Assets
$310.61M
Latest filing
Total Deposits
$276.03M
Latest filing
Net Interest Margin
4.44%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
082903426HORATIO, AR
Key People
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Locations
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Main Office
Horatio State Bank
123 W Main St
Horatio, AR 71842
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/05/1905FDIC Certificate 88
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Horatio State Bank (Main) | 123 W Main St | Horatio, AR |
| FOREMAN BRANCH | 707 Tracy Lawrence Ave | Foreman, AR |
| ASHDOWN BRANCH | 110 W Main St | Ashdown, AR |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/05/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71842 |
| State and County Number | 05133 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.horatiostatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 109 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $310.61M |
| Total Deposits | $276.03M |
| Total Liabilities | $276.82M |
| Total Equity Capital | $33.78M |
| Net Income | $875.00k |
| Net Loans and Leases | $257.68M |
| Assets Per Employee ($Millions) | $6.61M |
| Bank Premises and Fixed Assets | $1.47M |
| Cash and Balances due from Depository Institutions | $12.22M |
| Deposits Held in Domestic Offices | $276.03M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 10.49% |
| Net Interest Margin | 4.44% |
| Efficiency Ratio | 51.14% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.59% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.877% |
| Earning Assets to total Assets | 95.56% |
Income and Expense
| Total Interest Income | $5.33M |
| Total Noninterest Income | $85.00k |
| Total Interest Expense | $2.09M |
| Total Noninterest Expense | $1.70M |
| Net Interest Income | $3.24M |
| Pre-tax Net Operating Income | $1.18M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $313.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $792.00k |
| Total Liabilities and Capital | $310.61M |
Securities
| Securities | $29.32M |
| Available-for-sale debt securities | $20.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.27M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Horatio State Bank?
$310.61M as of the latest filing.
How much are Horatio State Bank's total deposits?
$276.03M in total deposits.
Where is Horatio State Bank located?
Horatio, AR.
What is the Net Interest Margin?
4.44%.
How many domestic offices does it operate?
3.
When was it established?
05/05/1905.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$257.68M (latest filing).
What is the total interest income (latest filing)?
$5.33M.