Call reports 2026
HORATIO STATE BANK — 2026
What HORATIO STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 311,768,000 | 311,503,000 |
| Total loans | 261,011,000 | 263,156,000 |
| Allowance for loan losses | 4,177,000 | 4,210,000 |
| Securities available for sale | 20,839,000 | 21,560,000 |
| Securities held to maturity | 9,199,000 | 9,014,000 |
| Trading assets | 0 | 0 |
| Total deposits | 276,749,000 | 275,520,000 |
| Interest-bearing deposits | 255,317,000 | 253,901,000 |
| Noninterest-bearing deposits | 21,432,000 | 21,619,000 |
| Equity capital | 34,008,000 | 34,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,190,000 | 10,543,000 |
| Interest expense | 2,020,000 | 4,051,000 |
| Net interest income | 3,170,000 | 6,492,000 |
| Noninterest income | -5,000 | 110,000 |
| Noninterest expense | 1,740,000 | 3,391,000 |
| Provision for loan losses | 425,000 | 750,000 |
| Pretax income | 1,000,000 | 2,461,000 |
| Income tax | 235,000 | 592,000 |
| Net income | 765,000 | 1,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 36,535,000 | 37,443,000 |