BlastPoint's Banking Scorecard
Horatio State Bank
Micro
Specialty: Other
AR
FDIC cert 109
Designations: ✓ Community bank
Horatio, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Horatio State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.54% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$310.6M
+1.2% YoY
+2.7% QoQ
|
+$93.1M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$257.7M
+2.7% YoY
+2.5% QoQ
|
+$118.5M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$276.0M
+0.6% YoY
+2.8% QoQ
|
+$92.4M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.80%
+40.5% YoY
+16.7% QoQ
|
-0.29% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.98%
+17.6% YoY
+3.6% QoQ
|
+0.13% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
56.83%
-7.5% YoY
-3.8% QoQ
|
-10.90% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.98%
+5.6% YoY
-18.1% QoQ
|
+0.34% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
93.35%
+2.0% YoY
-0.3% QoQ
|
+18.83% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
7.85%
+9.4% YoY
-1.3% QoQ
|
-14.54% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.91%
+20.3% YoY
-16.7% QoQ
|
+0.46% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-42.7% YoY
+51.1% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.85%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Loans
Current: $257.7M · Tier avg: $139.2M
76
76th pctile
Total Deposits
Current: $276.0M · Tier avg: $183.7M
76
76th pctile
Efficiency Ratio
Current: 56.83% · Tier avg: 67.73%
74
74th pctile
Total Assets
Current: $310.6M · Tier avg: $217.5M
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
29
29th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.35% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.85% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.85% · Tier avg: 22.39%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.35% · Tier avg: 74.53%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
29
29th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.64%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
74
74th pctile
Total Assets
Current: $310.6M · Tier avg: $217.5M
76
76th pctile
Efficiency Ratio
Current: 56.83% · Tier avg: 67.73%
76
76th pctile
Total Deposits
Current: $276.0M · Tier avg: $183.7M
86
86th pctile
Total Loans
Current: $257.7M · Tier avg: $139.2M