Bank Comparison
Horizon Financial Bank vs Valley State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Horizon Financial Bank | Valley State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.40% | 12.23% |
| Equity / Assets | 10.25% | 11.34% |
Profitability
| Metric | Horizon Financial Bank | Valley State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.91% | 0.71% |
| Return on Equity (ROE) | 8.68% | 6.29% |
| Net Interest Margin (NIM) | 3.85% | 4.04% |
| Yield on Earning Assets | 5.72% | 5.41% |
| Cost of Funds | 1.94% | 1.56% |
Asset quality
| Metric | Horizon Financial Bank | Valley State Bank, the |
|---|---|---|
| Texas Ratio | 12.51% | 1.50% |
| Non-Performing Loan Ratio | 0.01% | 0.27% |
| Non-Performing Asset Ratio | 0.00% | 0.18% |
| Net Charge-Off Ratio | 0.00% | 0.26% |
| ACL / Loans | 1.23% | 1.14% |
Balance sheet
| Metric | Horizon Financial Bank | Valley State Bank, the |
|---|---|---|
| Total Assets | $202,230K | $202,483K |
| Total Deposits | $180,279K | $175,358K |
| Total Loans | $137,558K | $109,156K |
| Total Equity | $20,726K | $22,958K |
| Net Income (quarter) | $468 | $360 |
Liquidity & funding
| Metric | Horizon Financial Bank | Valley State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 76.30% | 62.25% |
| Core Deposit Ratio | 85.20% | 88.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Horizon Financial Bank | Valley State Bank, the |
|---|---|---|
| Headquarters City | MUNICH | BELLE PLAINE |
| Headquarters State | ND | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 29 | 36 |
| Established | Jan. 1, 1905, midnight | Jan. 1, 1897, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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