Horicon Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 10.51 percentage points in Q2 2026, from 129.67% to 140.17%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Horicon Bank is 56th of 153 on return on assets, 1.49% as of Q2 2026. Horicon Bank reported 1.49% on return on assets for Q2 2026, 0.22 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.81% |
| Tier 1 risk-based capital ratio | 10.81% |
| Total risk-based capital ratio | 12.06% |
| Tier 1 leverage ratio | 9.72% |
| Equity capital to assets | 10.29% |
| Tangible equity to tangible assets | 9.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.93% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 6.73% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 140.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 14.52% |
| Net interest margin | 4.24% |
| Efficiency ratio | 59.25% |
| Yield on earning assets | 5.81% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.73% |
| Core deposits to total deposits | 92.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.89% |
| Securities to assets | 5.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.98% | 9.98% | 10.85% | 8.80% | 1.04% |
| Q4 2023 | 9.98% | 9.98% | 10.79% | 8.89% | 0.91% |
| Q1 2024 | 10.06% | 10.06% | 10.92% | 8.96% | 0.54% |
| Q2 2024 | 10.03% | 10.03% | 10.91% | 9.01% | 0.88% |
| Q3 2024 | 10.20% | 10.20% | 11.08% | 8.97% | 1.15% |
| Q4 2024 | 10.57% | 10.57% | 11.52% | 8.95% | 0.96% |
| Q1 2025 | 10.45% | 10.45% | 11.70% | 9.23% | 0.06% |
| Q2 2025 | 10.50% | 10.50% | 11.58% | 9.63% | 2.04% |
| Q3 2025 | 10.59% | 10.59% | 11.69% | 9.68% | 1.27% |
| Q4 2025 | 10.75% | 10.75% | 11.90% | 9.67% | 1.30% |
| Q1 2026 | 10.71% | 10.71% | 11.92% | 9.81% | 1.35% |
| Q2 2026 | 10.81% | 10.81% | 12.06% | 9.72% | 1.49% |
Horicon Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Horicon Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Horicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11236) · FFIEC NIC profile (RSSD 528849)