Horicon Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Horicon Bank of Horicon, WI against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.49% | 1.34% | +0.15% | 64th above |
| ROAE | 14.52% | 12.34% | +2.18% | 66th above |
| Net Interest Margin | 4.24% | 3.83% | +0.41% | 80th top |
| Efficiency Ratio | 59.25% | 58.97% | +0.28% | 47th below |
| PPNR / Avg Assets | 1.72% | — | — | 48th below |
| Yield on Earning Assets | 5.81% | 5.71% | +0.10% | 66th above |
| Cost of Funds | 1.70% | 2.02% | -0.32% | 70th above |
| Net Interest Spread | 3.57% | — | — | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.93% | 0.87% | +0.06% | 29th below |
| NPA / Total Assets | 0.77% | — | — | 29th below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 59th above |
| ACL / Total Loans | 1.31% | — | — | 70th above |
| ACL / NPLs (Coverage) | 140.17% | — | — | 36th below |
| Texas Ratio | 6.73% | 5.48% | +1.25% | 27th below |
| Provision / NCO | 2270.73% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.81% | 14.99% | -4.18% | 7th bottom |
| Tier 1 Ratio | 10.81% | 15.02% | -4.21% | 7th bottom |
| Total Capital Ratio | 12.06% | — | — | 9th bottom |
| Leverage Ratio | 9.72% | 11.11% | -1.39% | 29th below |
| Equity / Assets | 10.29% | 11.02% | -0.73% | 49th below |
| TCE / Tangible Assets | 9.52% | — | — | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.73% | 86.99% | +9.74% | 24th bottom |
| Core Deposit Ratio | 92.49% | 85.57% | +6.92% | 72nd above |
| Uninsured Deposit Ratio | 26.27% | 33.19% | -6.92% | 67th above |
| Wholesale Funding Ratio | 2.40% | — | — | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.90% | — | — | 66th above |
| Loan Growth (Y/Y) | 6.30% | — | — | 53rd above |
| Deposit Growth (Y/Y) | 5.36% | — | — | 52nd above |
See Horicon Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Horicon Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Horicon Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Horicon Bank peer analysis.