Horatio State Bank: how it compares with its peers
Against 34 AR banks with half to twice its assets, Horatio State Bank's strongest measure in Q2 2026 is efficiency ratio (51.36% vs. a 63.22% peer median). Its weakest relative measure is return on assets (1.20% vs. 1.22%).
| Measure | Horatio State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.22% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.37% | 4.12% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.36% | 63.22% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.2M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.98% | 78.55% | Context |
What it means for lending operations
Its efficiency ratio of 51.36% is better than the 63.22% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- PEOPLES BANK Sheridan, AR · $314M
- Merchants and Farmers Bank Dumas, AR · $298M
- First National Bank Of Commerce Walnut Ridge, AR · $297M
- United Bank Springdale, AR · $296M
- First State Bank Lonoke, AR · $328M
- Bank of England England, AR · $332M
Questions about Horatio State Bank
How big is Horatio State Bank?
Horatio State Bank, established in 1905, is headquartered in Horatio, AR. It reported $312M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Horatio State Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.22% median for 34 AR banks with half to twice its assets, ahead of 47% of them.
What is Horatio State Bank's efficiency ratio?
51.36% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 63.22%, and lower is better.
Is Horatio State Bank growing its loans?
Net loans grew 3.5% over the year to Q2 2026, while deposits grew 3.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.