Three fees from its schedule are published so far: NSF / returned item $20, minimum balance $5 and bill pay & zelle $20.
Source: its fee schedule, read Oct 29, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
34th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 29, 2026
Call-report figures are for Horatio State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Horatio State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 29, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.5% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (34th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $51K in Q2 2026, 21% above the same quarter a year earlier ($42K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 3 compared published fees sit above the Arkansas median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Arkansas medians for fees published by banks and credit unions.
NSF / Returned Item
Minimum Balance
Bill Pay & Zelle
Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for Horatio State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $51K | +$2K | +4.1% |
| Q1 2026 | $49K | $0 | 0.0% |
| Q4 2025 | $49K | +$6K | +14.0% |
| Q3 2025 | $43K | +$1K | +2.4% |
| Q2 2025 | $42K | +$4K | +10.5% |
| Q1 2025 | $38K | −$6K | −13.6% |
| Q4 2024 | $44K | +$4K | +10.0% |
| Q3 2024 | $40K | +$1K | +2.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Horatio State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Horatio State Bank by share.
Amounts from Horatio State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service fee (daily balance drops below $300) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF / Returned Item | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay & Zelle | $20Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Oct 29, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Horatio State Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $275.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $225.6M |
| 2 | $49.9M |
Texarkana, TX-AR
1.6% of bank deposits, #13 of 19, up 0.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Farmers Bank & Trust Company | 17.3% |
| Wells Fargo Bank, National Association | 15% |
| Glacier Bank | 10.6% |
| State Bank of De Kalb | 9.9% |
| Commercial National Bank of Texarkana | 9.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Texarkana, TX-AR, Horatio State Bank holds 1.6% of bank deposits, #13 of 19, with 2 offices.
72 offices of 26 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 19 institutions shown. $3.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2017 to 2026
June 2026: 1.6% share, 2 offices, #13 of 19
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2017 to 2026.
Credit unions, reported separately
27 offices of 8 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows