Horatio State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $312M | $277M | $257M | $34M | $765K | 0.98% | 9.03% | 4.26% | 1.36% |
| Q4 2025 | $311M | $276M | $258M | $34M | $875K | 0.80% | 7.47% | 3.98% | 0.97% |
| Q3 2025 | $303M | $269M | $251M | $33M | $465K | 0.68% | 6.43% | 3.84% | 1.18% |
| Q2 2025 | $300M | $267M | $250M | $32M | $709K | 0.71% | 6.82% | 3.76% | 1.01% |
| Q1 2025 | $308M | $275M | $251M | $32M | $381K | 0.50% | 4.80% | 3.63% | 0.87% |
| Q4 2024 | $307M | $274M | $251M | $32M | $637K | 0.57% | 5.41% | 3.39% | 0.91% |
| Q3 2024 | $301M | $268M | $249M | $32M | $129K | 0.47% | 4.52% | 3.35% | 1.12% |
| Q2 2024 | $298M | $266M | $245M | $31M | $434K | 0.63% | 5.98% | 3.37% | 1.13% |
| Q1 2024 | $301M | $269M | $240M | $31M | $494K | 0.67% | 6.40% | 3.33% | 0.77% |
| Q4 2023 | $290M | $259M | $233M | $31M | $-440K | 0.66% | 6.02% | 3.63% | 0.88% |
| Q3 2023 | $283M | $252M | $230M | $31M | $697K | 1.11% | 9.95% | 3.74% | 1.47% |
| Q2 2023 | $279M | $248M | $226M | $31M | $710K | 1.16% | 10.41% | 3.81% | 1.67% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.