BlastPoint's Banking Scorecard
Horatio State Bank
Horatio, AR
3 branches across AR
Horatio State Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Efficiency Ratio 10.31% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.4% in tier
- - Credit Risk Growth: Bottom 30.2% in tier
- - Flatlined Growth: Bottom 47.5% in tier
- - Non-Interest-Bearing Deposit Share 14.28% below tier average
- - Non-Interest Income / Assets 0.28% below tier average
- - ROA 0.29% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$311.8M
+1.3% YoY
+0.4% QoQ
|
-$74.3M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$256.8M
+2.5% YoY
-0.3% QoQ
|
+$1.1M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$276.7M
+0.6% YoY
+0.3% QoQ
|
-$51.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.98%
+98.3% YoY
+23.7% QoQ
|
-0.29% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
4.26%
+17.6% YoY
+7.1% QoQ
|
+0.33% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
54.98%
-8.8% YoY
-3.3% QoQ
|
-10.31% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
1.38%
+57.0% YoY
+40.9% QoQ
|
+0.50% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
92.80%
+1.8% YoY
-0.6% QoQ
|
+16.17% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
7.74%
+10.7% YoY
-1.4% QoQ
|
-14.28% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.6% in tier |
| Nonperforming Asset Ratio ? |
1.21%
+65.4% YoY
+32.2% QoQ
|
+0.57% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
11.74%
+4.0% YoY
-0.9% QoQ
|
-4.09% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
-0.00%
-107.6% YoY
-102.1% QoQ
|
-0.28% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.3% in tier |
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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 (0)
Concerns (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.