HORIZON FINANCIAL BANK

MUNICH, ND | Small | Est. Jan. 1, 1905, midnight | FDIC #15598 | RSSD #877350 | FDIC
Latest Report: 2025-12-31

HORIZON FINANCIAL BANK is asn small FDIC-insured commercial bank headquartered in MUNICH, ND, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $206M and total deposits of $177M. Profitability stands at 1.29% ROA and 11.86% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 10.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15598.

Assets

$206M

Deposits

$177M

Loans

$159M

Equity

$22M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 11.86%
Net Interest Margin (NIM) 3.97%
Yield on Assets 6.04%
Cost of Funds 2.18%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 10.88%
Tier 1 Capital 10.88%
Total Capital Ratio 11.42%
Leverage Ratio 11.33%
Loan-to-Deposit 89.76%

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