Bank Comparison
Jefferson Bank, the vs Horizon Financial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Jefferson Bank, the | Horizon Financial Bank |
|---|---|---|
| CET1 Ratio | 18.59% | — |
| Tier 1 Capital Ratio | 18.59% | — |
| Total Capital Ratio | 19.87% | — |
| Tier 1 Leverage Ratio | 17.33% | 10.40% |
| Equity / Assets | 16.86% | 10.25% |
Profitability
| Metric | Jefferson Bank, the | Horizon Financial Bank |
|---|---|---|
| Return on Assets (ROA) | 2.35% | 0.91% |
| Return on Equity (ROE) | 14.22% | 8.68% |
| Net Interest Margin (NIM) | 5.43% | 3.85% |
| Yield on Earning Assets | 7.74% | 5.72% |
| Cost of Funds | 2.74% | 1.94% |
Asset quality
| Metric | Jefferson Bank, the | Horizon Financial Bank |
|---|---|---|
| Texas Ratio | 1.52% | 12.51% |
| Non-Performing Loan Ratio | 0.42% | 0.01% |
| Non-Performing Asset Ratio | 0.31% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 5.01% | 1.23% |
Balance sheet
| Metric | Jefferson Bank, the | Horizon Financial Bank |
|---|---|---|
| Total Assets | $202,502K | $202,230K |
| Total Deposits | $167,368K | $180,279K |
| Total Loans | $149,687K | $137,558K |
| Total Equity | $34,144K | $20,726K |
| Net Income (quarter) | $1,196K | $468 |
Liquidity & funding
| Metric | Jefferson Bank, the | Horizon Financial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.44% | 76.30% |
| Core Deposit Ratio | 71.68% | 85.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Jefferson Bank, the | Horizon Financial Bank |
|---|---|---|
| Headquarters City | GREENVILLE | MUNICH |
| Headquarters State | MS | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 17 | 29 |
| Established | Jan. 3, 1901, midnight | Jan. 1, 1905, 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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