Horizon Bank, SSB: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Horizon Bank, SSB is one of the more profitable banks of its size. The Austin, Texas bank had $2.6 billion in assets at June 30, 2026, up 7.6% from a year earlier. It returns 21.0% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it holds about half of its deposits (51%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%). A wide margin does most of the work: it keeps 4.14 cents of net interest income on every dollar of earning assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $95 million equal 43% of Tier 1 capital, down from 51% a year earlier. Where it has less room is capital: it funds 8.95% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Horizon Bank, SSB reported a CET1 capital ratio of 11.99%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 600 West 5th Street, Austin, TX 78701
- County
- Travis
- Metro Area
- Austin-Round Rock-San Marcos, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Former names
- First Holland Bank, SSB (2006-2007)
- Offices
- 7 domestic
- Employees (FTE)
- 238
- Domestic deposits
- $2.21B
- Allowance for credit losses
- $27.6M
- Net charge-offs (YTD)
- $126K
- Average total assets
- $2.47B
- Average total loans
- $1.63B
- Average interest-bearing deposits
- $1.52B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3256
- Fed RSSD
- 703552
- SEC CIK
- 1379918 → filed by FRONTIER BANCSHARES, INC.
- Website
- www.horizon.bank →
- Parent Holding Company
- FRONTIER BANCSHARES, INC. (RSSD 3412798)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Horizon Bank, SSB terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Horizon Bank, SSB, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Horizon Bank, SSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Horizon Bank, SSB: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.99% | 1.74% | 0.00% | 0.00% | 4.14% |
| Q1 2026 | 12.03% | 1.77% | 0.00% | 0.00% | 4.14% |
| Q4 2025 | 12.51% | 1.70% | 0.00% | 0.00% | 4.16% |
| Q3 2025 | 12.88% | 1.65% | 0.00% | 0.00% | 3.88% |
| Q2 2025 | 12.89% | 1.70% | 0.00% | 0.00% | 3.76% |
| Q1 2025 | 12.89% | 1.66% | 0.00% | 0.00% | 3.69% |
| Q4 2024 | 12.72% | 1.30% | 0.00% | 0.00% | 3.77% |
| Q3 2024 | 12.70% | 1.58% | 0.00% | 0.02% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Horizon Bank, SSB (main office) | Austin , TX | 78701 | $1.82B |
| Technology Boulevard Branch | Austin , TX | 78727 | $159.5M |
| Salado Branch | Salado , TX | 76571 | $97.4M |
| Temple Branch | Temple , TX | 76502 | $86.9M |
| Holland Branch | Holland , TX | 76534 | $42.0M |
Regulatory record
What the public regulatory sources show for Horizon Bank, SSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 4 against individuals associated with it
- May 30, 1997, OCC: Formal Agreement: The First National Bank Of Holland
- Period: Most recent institution action May 30, 1997. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 62 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 23 loans originated, $36.0M originated, across 4 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.8M approved, $458K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Horizon Bank, SSB
What are Horizon Bank, SSB's total assets?
As of the Q2 2026 filing, Horizon Bank, SSB reported total assets of $2.55 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Horizon Bank, SSB headquartered?
Horizon Bank, SSB is headquartered in Austin, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Horizon Bank, SSB founded?
Horizon Bank, SSB was established in 1905, per the FDIC institution directory.
Is Horizon Bank, SSB FDIC-insured?
Yes. Horizon Bank, SSB is an FDIC-insured savings bank (FDIC Certificate #3256). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Horizon Bank, SSB?
Horizon Bank, SSB's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Horizon Bank, SSB's CET1 capital ratio?
Horizon Bank, SSB reported a Common Equity Tier 1 (CET1) capital ratio of 11.99% in its Q2 2026 call report, above regulatory requirements.
How many branches does Horizon Bank, SSB operate?
Horizon Bank, SSB operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Horizon Bank, SSB's Texas Ratio?
Horizon Bank, SSB's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Horizon Bank, SSB previously called?
The charter now named Horizon Bank, SSB has also operated as First Holland Bank, SSB (2006-2007), per FDIC structure-change records.
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