Horizon Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Horizon Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 12.96% in Q3 2026, up 1.22 percentage points from 11.74% in Q3 2025. Across the 12 quarters shown it ranged from 11.38% (Q2 2024) to 12.96% (Q3 2026).
What the vital signs page covers and where each line comes from.
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 3.03 percentage points lower than in Q2 2026, at 145.60%. Within Indiana, Horizon Bank is 12th of 87 on return on assets, 1.92% as of Q3 2026. Horizon Bank reported 1.92% on return on assets for Q3 2026, 0.61 points above the 1.30% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.96% |
| Tier 1 risk-based capital ratio | 12.96% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 11.77% |
| Tangible equity to tangible assets | 9.56% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.72% |
| Nonperforming assets ratio | 0.60% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 5.50% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of nonperforming loans | 145.60% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 16.02% |
| Net interest margin | 4.56% |
| Efficiency ratio | 49.36% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.64% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 90.06% |
| Core deposits to total deposits | 87.40% |
| Brokered deposits to total deposits | 3.57% |
| Deposits to assets | 84.73% |
| Securities to assets | 13.06% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.96% | 11.96% | 12.87% | 8.41% | -1.12% |
| Q1 2024 | 11.70% | 11.70% | 12.59% | 8.63% | 0.82% |
| Q2 2024 | 11.38% | 11.38% | 12.26% | 8.84% | 0.84% |
| Q3 2024 | 11.43% | 11.43% | 12.33% | 8.84% | 1.06% |
| Q4 2024 | 11.70% | 11.70% | 12.64% | 8.64% | -0.37% |
| Q1 2025 | 11.97% | 11.97% | 12.93% | 8.98% | 1.33% |
| Q2 2025 | 12.22% | 12.22% | 13.21% | 9.36% | 1.18% |
| Q3 2025 | 11.74% | 11.74% | 12.75% | 8.55% | -11.99% |
| Q4 2025 | 11.99% | 11.99% | 12.99% | 9.94% | 1.82% |
| Q1 2026 | 12.35% | 12.35% | 13.35% | 10.21% | 1.78% |
| Q2 2026 | 12.60% | 12.60% | 13.60% | 10.52% | 1.72% |
| Q3 2026 | 12.96% | 12.96% | 13.97% | 10.64% | 1.92% |
Horizon Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. How these pages are built. See the full Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4360) · FFIEC NIC profile (RSSD 130541)