Horicon Bank
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Data as of · sourced from FFIEC call reports. How we update
Horicon Bank is an FDIC-insured commercial bank headquartered in Horicon, WI, established in 1896 (FDIC certificate 11236), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.65B, up 7.9% from Q2 2025, the 18th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 10.81% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11236
- Headquarters
- Horicon, WI
- Established
- 1896
- Total assets, Q2 2026
- $1.65B
- Assets vs Q2 2025
- +7.9%
- CET1 ratio, Q2 2026
- 10.81%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 075905622
- Latest call report
- Q2 2026, FFIEC 051 · Horicon Bank call report
- Holding company
- SWORD FINANCIAL CORPORATION
- Asset rank in state
- 18th of 153 in Wisconsin
Horicon Bank operates with a thinner capital cushion than most banks of its size. The Horicon, Wisconsin bank had $1.7 billion in assets at June 30, 2026, up 7.9% from a year earlier. It holds common equity equal to 10.81% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it keeps 4.24 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Net income for the quarter slipped 21% from a year earlier, to $6.2 million.
As of June 30, 2026, Horicon Bank reported a CET1 capital ratio of 10.81%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 6.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Horicon Bank is the 18th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $1.65B, loans rose 0.5% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 22.4% of total loans, ahead of owner-occupied commercial real estate loans at 19.4%. The FDIC Summary of Deposits lists 19 offices for it, in 18 cities in WI; its Horicon office books 17% of its branch deposits. On its Q2 2026 call report, Horicon Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 326 E Lake St, Horicon, WI 53032
- County
- Dodge
- Metro Area
- Beaver Dam, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 7, 1896
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 222
- Domestic deposits
- $1.42B
- Allowance for credit losses
- $17.9M
- Net charge-offs (YTD)
- $74K
- Average total assets
- $1.65B
- Average total loans
- $1.38B
- Average interest-bearing deposits
- $1.08B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11236
- Fed RSSD
- 528849
- Website
- www.horiconbank.com →
- Parent Holding Company
- SWORD FINANCIAL CORPORATION (RSSD 1202883)
- Ultimate Parent
- RSSD 6107273
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Horicon Bank's total assets ranged from $1.49B (Q3 2023) to $1.68B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.65B total assets against $1.53B; $1.48B total liabilities against $1.37B.
$1.36B net loans and leases against $1.28B; $1.42B total deposits against $1.35B.
$83.6M securities against $83.1M; $143.0M cash and balances due against $100.6M.
$22.9M total interest income against $21.2M; $6.2M total interest expense against $6.5M.
$16.7M net interest income against $14.6M.
$2.2M total noninterest income against $2.0M; $11.8M total noninterest expense against $11.3M.
$931K provision for credit losses against -$2.5M.
$6.2M net income against $7.8M.
1.49% return on assets against 2.04%; 4.24% net interest margin against 4.03%.
10.81% CET1 capital ratio against 10.50%; 9.72% tier 1 leverage ratio against 9.63%.
Inside the full Horicon Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
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.
Horicon Bank rankings
Its closest position to the top of a national ranking is 673 of 4,196, for total assets; its furthest is 1,994 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q1 2025) to 2.04% (Q2 2025) and its net interest margin ran from 3.63% (Q3 2024) to 4.24% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.81% | 1.49% | 0.93% | 6.73% | 4.24% |
| Q1 2026 | 10.71% | 1.35% | 0.96% | 7.05% | 4.15% |
| Q4 2025 | 10.75% | 1.30% | 0.77% | 6.11% | 4.20% |
| Q3 2025 | 10.59% | 1.27% | 0.80% | 6.39% | 4.13% |
| Q2 2025 | 10.50% | 2.04% | 0.85% | 7.00% | 4.03% |
| Q1 2025 | 10.45% | 0.06% | 0.71% | 5.73% | 3.89% |
| Q4 2024 | 10.57% | 0.96% | 0.67% | 5.57% | 3.69% |
| Q3 2024 | 10.20% | 1.15% | 0.69% | 5.90% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Horicon Bank (main office) | Horicon , WI | 53032 | $240.1M |
| Beaver Dam Branch | Beaver Dam , WI | 53916 | $214.7M |
| West Bend Branch | West Bend , WI | 53095 | $135.5M |
| Ripon Branch | Ripon , WI | 54971 | $116.4M |
| Fond Du Lac Branch | Fond Du Lac , WI | 54935 | $78.1M |
| Green Lake Branch | Green Lake , WI | 54941 | $76.6M |
| Menomonee Falls Branch | Menomonee Falls , WI | 53051 | $73.6M |
| Oshkosh Wi Branch | Oshkosh , WI | 54904 | $68.7M |
| Cornerstone Community Bank Branch | Grafton , WI | 53024 | $66.3M |
| Margaret Street Branch | Markesan , WI | 53946 | $62.3M |
| Fond Du Lac Branch | Fond Du Lac , WI | 54937 | $50.4M |
| Waupun Branch | Waupun , WI | 53963 | $46.3M |
| Randolph Branch | Randolph , WI | 53956 | $45.2M |
| Neosho Branch | Neosho , WI | 53059 | $38.3M |
| Wauwatosa Branch | Wauwatosa , WI | 53222 | $32.7M |
| Appleton Branch | Appleton , WI | 54915 | $28.4M |
| New Berlin Branch | New Berlin , WI | 53151 | $17.7M |
| Iron Ridge Branch | Iron Ridge , WI | 53035 | $16.9M |
| Mayville Branch | Mayville , WI | 53050 | $11.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 16, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2023 | Structure Change | Acquired Cornerstone Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2019 | Structure Change | Acquired Markesan State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 31, 1990 | Structure Change | Acquired Burnett State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 1985 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in WI, rank 21 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 527 applications, 424 loans originated, $98.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.9M approved, $972K 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Horicon Bank
What are Horicon Bank's total assets?
As of the Q2 2026 filing, Horicon Bank reported total assets of $1.65 billion in its FFIEC call report.
Where is Horicon Bank headquartered?
It is headquartered in Horicon, WI, United States.
When was Horicon Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Horicon Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11236). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Horicon Bank?
Horicon Bank's primary federal regulator is the FDIC.
What is Horicon Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Horicon Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Horicon Bank's Texas Ratio?
Its Texas Ratio is 6.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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