Horizon Bank
Horizon Bank is a locally rooted FDIC-insured community bank based in Waverly, NE. Horizon's Q1 2026 balance sheet shows $539M in assets funded primarily by $446M in customer deposits. Profitability is strong — 2.88% ROA, paired with 19.19% ROE and a 5.06% net interest margin. Capital cushions are healthy: 14.34% CET1, 14.26% Tier 1 leverage. Asset quality is pristine — 0.45% NPLs and a 3.23% Texas Ratio. 5 branches make up the footprint.
Headquarters Profile
- Address
- 10841 N 142nd St, WAVERLY, NE 68462
- County
- Lancaster
- Metro Area
- LINCOLN, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- February 18, 1907
- Branches
- 5 domestic
- Employees (FTE)
- 32
- FDIC Cert
- 14327
- Fed RSSD
- 663955
- Website
- www.horizonbankne.com →
Capital & Liquidity
Inside the full Horizon Bank terminal
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Horizon Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare Horizon Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Horizon Bank
What are Horizon Bank's total assets?
As of the Q1 2026 filing, Horizon Bank reported total assets of $539.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Horizon Bank headquartered?
Horizon Bank is headquartered in WAVERLY, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Horizon Bank founded?
Horizon Bank was established in 1907, per the FDIC institution directory.
Is Horizon Bank FDIC-insured?
Yes. Horizon Bank is an FDIC-insured commercial bank (FDIC Certificate #14327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Horizon Bank?
Horizon Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Horizon Bank's CET1 capital ratio?
Horizon Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.34% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Horizon Bank operate?
Horizon Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Horizon Bank's Texas Ratio?
Horizon Bank's Texas Ratio is 3.23% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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