BlastPoint's Banking Scorecard

Horatio State Bank

$100M-$1B Specialty: Other AR FDIC cert 109

Horatio, AR

3 branches across AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
Deposits +3.1% year over year ($275.5M on the books).
Delinquency rate 1.20%.
Return on assets 1.20%.
Efficiency ratio 51.36% vs a 64.48% peer average.
Loan-to-deposit ratio 93.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR

View $100M-$1B leaderboard (AR) →

Horatio State Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.38% above tier average
+ Efficiency Ratio 13.12% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 15.3% in tier
- Liquidity Strain: Bottom 23.6% in tier
- Non-Interest-Bearing Deposit Share 14.18% below tier average
- Non-Interest Income / Assets 0.53% below tier average
- ROA 0.12% below tier average

Get updates when Horatio State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$311.5M +3.7% YoY -0.1% QoQ	-$75.1M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$258.9M +3.5% YoY +0.8% QoQ	+$601K	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$275.5M +3.1% YoY -0.4% QoQ	-$51.2M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.20% +68.0% YoY +22.1% QoQ	-0.12%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	4.37% +16.1% YoY +2.4% QoQ	+0.38%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	73%
Efficiency Ratio ?	51.36% -14.9% YoY -6.6% QoQ	-13.12%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	1.20% +16.3% YoY -13.4% QoQ	+0.28%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	93.98% +0.4% YoY +1.3% QoQ	+16.03%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	7.85% +0.2% YoY +1.3% QoQ	-14.18%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	Bottom 6.7% in tier
Nonperforming Asset Ratio ?	1.08% +17.6% YoY -10.6% QoQ	+0.41%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	12.03% +3.2% YoY +2.5% QoQ	-3.88%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.04% -10.1% YoY	-0.53%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	Bottom 3.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Noninterest-Bearing	7.8% 0.0pp YoY +0.1pp QoQ	-14.3pp	22.1%	19.6%	22.2%	6%
Brokered Deposits	13.6% -1.5pp YoY +0.6pp QoQ	+5.8pp	7.9%	7.2%	8.5%	83%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	8.4% +0.3pp YoY +0.1pp QoQ	-3.1pp	11.6%	12.7%	12.5%	43%
CRE	16.6% -1.1pp YoY -0.5pp QoQ	-23.0pp	39.5%	41.0%	41.4%	13%
1-4 Family	34.2% -0.9pp YoY -0.1pp QoQ	+1.6pp	32.6%	28.1%	31.3%	60%
Consumer	20.3% -0.6pp YoY -0.1pp QoQ	+16.1pp	4.1%	4.5%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	12.0% +0.4pp YoY +0.3pp QoQ	-0.1pp	12.2%	11.9%	12.6%	65%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	50 +2 (+4.2%) YoY +3 (+6.4%) QoQ	-9	58	315	482	53%
Assets per Employee ($)	$6.2M -0.5% YoY -6.1% QoQ	-$1.3M	$7.5M	$6.7M	$8.8M	38%
Branch Count	3 0 YoY 0 QoQ	-2	4	25	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% +0.3pp YoY +0.1pp QoQ	+0.3pp	0.3%	0.1%	0.4%	85%
Nonaccrual	0.6% -0.1pp YoY -0.3pp QoQ	-0.3pp	0.9%	1.1%	1.0%	57%
Allowance Coverage	1.36x -12.1% YoY +15.4% QoQ	-22.80x	24.15x	4.69x	20.23x	36%
Net Charge-off Rate (YTD)	0.5% -0.4pp YoY -0.1pp QoQ	+0.4pp	0.1%	0.2%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	10.9% +4.1pp YoY +1.9pp QoQ	-1.3pp	12.2%	12.3%	11.6%	42%
Cost of Funds (YTD)	2.7% -0.3pp YoY 0.0pp QoQ	+1.0pp	1.7%	2.0%	1.7%	94%
Net Income ($, YTD)	$1.9M +71.5% YoY — QoQ	-$686K	$2.6M	$16.0M	$40.4M	50%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#144 of 936 • Bottom 15.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#164 of 691 • Bottom 23.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.98%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

520

Efficiency Ratio

profitability

Value: 51.36%

Peer Median: 64.48%

#520 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (5 metrics)

2560

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2560 of 2643 Bottom 3.2% in $100M-$1B

2467

Non-Interest-Bearing Deposit Share

funding

Value: 7.85%

Peer Median: 22.03%

#2467 of 2643 Bottom 6.7% in $100M-$1B

2166

Loan-to-Deposit Ratio

liquidity

Value: 93.98%

Peer Median: 77.95%

#2166 of 2643 Bottom 18.1% in $100M-$1B

2154

Nonperforming Asset Ratio

credit_quality

Value: 1.08%

Peer Median: 0.67%

#2154 of 2643 Bottom 18.5% in $100M-$1B

1996

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.92%

#1996 of 2633 Bottom 24.2% in $100M-$1B