Horatio State Bank is a bank based in Horatio, Arkansas, established in 1905, with $312 million in total assets across 3 branches. By Trust Grade it ranks 1st of 78 banks we track in Arkansas. Its capital ratio of 10.9% is stronger than 62% of similarly sized banks, versus a Arkansas median of 10.7%. It was profitable over the most recent period, with a 0.98% return on assets. No consumer complaints against Horatio State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Horatio State Bank compares to Arkansas peers
How we graded Horatio State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.9% capital ratio)
- Profitable (ROA 0.98%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Horatio State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 707 Tracy Lawrence Ave, Foreman, AR 71836
- 110 W Main St, Ashdown, AR 71822
- 123 W Main St, Horatio, AR 71842
Are deposits at Horatio State Bank insured?
Yes. Horatio State Bank is an FDIC-insured bank (FDIC certificate #109). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Horatio State Bank: frequently asked questions
Is Horatio State Bank a good bank?
Horatio State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.9% capital ratio); Profitable (ROA 0.98%).
Is Horatio State Bank FDIC-insured?
Yes. Horatio State Bank is a FDIC-insured bank (FDIC certificate #109). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Horatio State Bank?
Horatio State Bank holds $312 million in total assets, ranking 1st of 78 banks we track in Arkansas. It operates 3 branches.
Does Horatio State Bank have CFPB complaints?
No CFPB complaints against Horatio State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
