# HORATIO STATE BANK
HORATIO, AR · FDIC certificate 109 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $311.5M | |
| Deposits | $275.5M | |
| Loans and leases | $263.2M | |
| Total equity | $34.9M | |
| Loans / deposits | 93.98% (p79 of band) | 82.04% |
| Liquid assets / assets | 13.33% (p12 of band) | |
| Uninsured deposits / deposits | 13.71% (p10 of band) | 25.97% |
| Brokered deposits | 12.06% | |
| Wholesale funding | 12.06% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.03% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -14.18% (p33 of band) | -8.10% |
| AOCI / equity | -0.42% (p45 of band) | |
| ROA (annualized) | 1.20% (p45 of band) | 1.28% |
| Net interest margin | 4.37% (p76 of band) | 3.91% |
| Efficiency ratio | 51.36% (p21 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.43% |
| Net charge-offs (annualized) | 0.45% (p96 of band) | |
| Reserve coverage of noncurrent | 135.76% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 29.81% (p36 of band) | |
| Auto loans | $17.6M (6.70% of loans; DQ 4.72%, NCO 0.21%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | brokered >10% |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 0 |  | capital falling, brokered >10% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | brokered >10%, uninsured deposits leaving | charge-offs p90 |
| 2019-03 | 1 | charge-offs p90 | brokered >10%, uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 4 | brokered >10%, reserve under noncurrent |  |
| 2023-09 | 3 |  | reserve under noncurrent |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | uninsured deposits leaving | capital falling |
| 2025-09 | 2 |  | uninsured deposits leaving |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-11-29 [Horatio State Makes Move In Ashdown - Arkansas Business](https://news.google.com/rss/articles/CBMigwFBVV95cUxQZGYwREVCZVR3Z2tieHVhNmhYYzhYSFBaU2tmWXZpX1dkTWJXQjlCQWxVd0Y4eHBpeUxEOFJiT1hPUVdhSUZKNTBjSnh3eXpiR25MR05qY3NsZE9MdFpHc19VMmJ4SGVhdHVIRlNvWFk3aThzOHRBT0RLa1RGNlZqN2tnWQ?oc=5) · Arkansas Business
- 2015-03-12 [C.E. Hendrix Jr. - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxQcVdwM0ZpY3RGQUQ3NzlrdDZWcVpCZ25ubTdVWTRoU2xPc0tVb3hhNDdudTdhWG8zN2EyanhkVHo3N1llYU0xVHBvdVpjc09oNjlZUXRXd0pxNmlQWTA5ZkFJMDhaTklfRUxDbkpvaldjYWNTajlUWlBDQ2t6TEV1OWZSOVY4QQ?oc=5) · The Arkansas Democrat-Gazette
- 2026-04-13 [La Verne Pickering Obituary (2026) - Horatio, AR - Wilkerson Funeral Home - De Queen - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxQMVlsVE02WjB1NGcwdWxabFdlOF9uRFRQa0ZPVkpGeDlsR1JMZG5GUVF6RUx2S0dsdkk0d2psYkdkTnhUWG9ZS0dGelB4eTcxazc4eElEQlJVYW9CeExpTzJDWWJvZWtGUU5iaGJMMTBRUkV0Y0ZjNjNUQ1J3cWZOMw?oc=5) · Legacy obituary
- 2026-06-23 [Ashdown Woman Charged in Alleged Cattle Sale Loan Fraud Case - southwestarkansasradio.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOS1NEYUJnMXBjZVpuTkQtbm5WdmlYYm5GQ2VDOXVlQ3dtaldTc3pIdWlibGNZcnA5TGJ4ZmN4dnhBRjRORUtOdXVoMy10WjBSamhTNXJjaG4zV2xIQ1lzYVAwSHNlc2FJdGpzeDZmYWhjakJrMUlBbEIyZ091Mk16VUFTYjQ4R1VPQzVvNzJ0akJmR3F2bmQ1VEFhdko?oc=5) · southwestarkansasradio.com
- 2024-10-28 [Sevier County Medical Center Regroups in Face of Unexpected Debt - Arkansas Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPZTl2d2xuNVlOQlFPYjRqTXNSX3oyWERSdzZBWUVrVEpOX1c3QjgxQllxc1dYeDh0YWFkVXRqczlHT1RMdXRadENoVmd4eWNFbldjNnpDdjFSaXF6S0FGcEdQMVhSM1ZWUUJXUklHSEF6VU1ubEttY3h0emFKLWdBRXJrbC1ucjR1NHRsQU5EM3cwVG9iYVUwTC1uODI0QUg2RlFsOURXZlo?oc=5) · Arkansas Business
- 2026-06-22 [Marie "Meme" Bollinger Obituary (2026) - Horatio, AR - Wilkerson Funeral Home - De Queen - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTlpGQ1Y1WF8wSVJ1YktXbDBvdGRSNHg1dTlidTJ5RmxBWnpLT0JlLXNsblNhbWd6Wm5YSFFKMzNzTTlrY2dQdkQyYXNtT2pIeDN4bWlXdGNLMEdaOHdCRnJoS0syRmYwNTE3VEhsVFZEamNMakZTb21YamRMTzJGb1pTZXo?oc=5) · Legacy obituary
- 2013-06-05 [Loy Poag - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMif0FVX3lxTE9nOVM1U29uT1h0eVpJVlAzenVXemhQTVVFS016SEczQ05hYmRLcGZYY3VzQmFZNkJ5LWE0MFY3WEVybFRsWS1qN1UwazlSSHhmdVg2bzdHTUg1Z2ROa2g4d2tWVjBHdUZFVlNnOFA2aE01Yi1uUzJfYTVTMGcyc2M?oc=5) · The Arkansas Democrat-Gazette
- 2026-09-02 [Twila June Thompson Obituary (2026) - De Queen, AR - Wilkerson Funeral Home - De Queen - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZG5sS3BOT29rOW5tdkNlSUl1T3NOdVo4LUViWUUzY3FBWS1sa2l3d0JWMkVPQVVORmdfWkpSOXVaSEM0dTBmNXE4NV9rSC0yaU5hTzN0OUUwUUswbTdOcHVVb3gtXzlHMkF1eUpCdFNfUkRxUUp1SUgyS05nbzRuSk56UQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=109 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "109", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide