HORIZON BANK

WAVERLY, NE | Medium | Est. Feb. 18, 1907, midnight | FDIC #14327 | RSSD #663955 | FDIC
Latest Report: 2025-12-31

HORIZON BANK is amn medium FDIC-insured commercial bank headquartered in WAVERLY, NE, established in Feb. 18, 1907, midnight. As of 2025-12-31, the bank reported total assets of $511M and total deposits of $424M. Profitability stands at 2.39% ROA and 15.87% ROE, with a net interest margin of 5.53%. The bank's CET1 capital ratio is 13.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 4.32%. FDIC Certificate #14327.

Assets

$511M

Deposits

$424M

Loans

$407M

Equity

$76M

Profitability

Return on Assets (ROA) 2.39%
Return on Equity (ROE) 15.87%
Net Interest Margin (NIM) 5.53%
Yield on Assets 6.99%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.32%
NPA Ratio 0.68%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 13.63%
Tier 1 Capital 13.63%
Total Capital Ratio 14.35%
Leverage Ratio 13.65%
Loan-to-Deposit 95.94%

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