Horatio State Bank vs Patterson
Comparing a Bank in Horatio, AR with a Credit Union in Arkadelphia, AR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Horatio State Bank ↗ Bank · Horatio, AR · Est. 1905 | Patterson ↗ Credit Union · Arkadelphia, AR · Est. 1957 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Horatio, AR | Arkadelphia, AR |
| Total assets | $311.8M | $37.5M |
| Capital ratio | 10.9% | 17.3% |
| Return on assets | 1.0% | 2.5% |
| Deposits | $276.7M | — |
| Branches | 3 | 3,918 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 78 | #2 of 48 |
| Established | 1905 | 1957 |
Horatio State Bank
- Assets: $311.8M
- Deposits: $276.7M
- Capital ratio: 10.9%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #1 of 78
Patterson
- Assets: $37.5M
- Members: 3,918
- Capital ratio: 17.3%
- Return on assets: 2.5%
- CFPB complaints: 0
- State rank: #2 of 48
Are both institutions federally insured?
Yes. Horatio State Bank is FDIC-insured and Patterson is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Horatio State Bank or Patterson?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Horatio State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Horatio State Bank safe?
Yes — Horatio State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Patterson safe?
Yes — Patterson is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Horatio State Bank vs Patterson?
Horatio State Bank has a capital ratio of 10.9%, placing it in the top 38% of $100M–1B peers. Patterson's ratio is 17.3%, placing it in the top 32% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Horatio State Bank have compared to Patterson?
The CFPB database shows 0 complaints against Horatio State Bank, and 0 complaints against Patterson. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Horatio State Bank with other Banks in Arkansas
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
