Horizon Bank (Waverly, NE)
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Data as of · sourced from FFIEC call reports. How we update
Horizon Bank is an FDIC-insured commercial bank headquartered in Waverly, NE, established in 1907 (FDIC certificate 14327), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $574.3M, up 15.9% from Q2 2025, the 35th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 15.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14327
- Headquarters
- Waverly, NE
- Established
- 1907
- Total assets, Q2 2026
- $574.3M
- Assets vs Q2 2025
- +15.9%
- CET1 ratio, Q2 2026
- 15.07%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104905784
- Asset rank in state
- 35th of 138 in Nebraska
Horizon Bank is one of the more profitable banks of its size. The Waverly, Nebraska bank had $574 million in assets at June 30, 2026, up 15.9% from a year earlier. It earns about $3.03 a year on every $100 of assets, 2.4 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 25 cents to bring in each dollar of revenue, about a third the median of 61 cents for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.46% of loans from 1.28%. Deposits are coming in faster than loans: over the year loans rose 5.5% and deposits rose 16.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 4.0 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Horizon Bank reported a CET1 capital ratio of 15.07%, a return on assets of 3.03%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 3.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Horizon Bank is the 35th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.5% to $574.3M, loans fell 2.9% and deposits rose 6.5%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 41.9% of total loans, ahead of multifamily loans at 33.5%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in NE; its Waverly 2 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, Horizon Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 18, 1907
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $474.9M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $102K
- Average total assets
- $559.1M
- Average total loans
- $413.5M
- Average interest-bearing deposits
- $436.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 7, 1934
- FDIC Cert
- 14327
- Fed RSSD
- 663955
- Website
- www.horizonbankne.com →
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
Over the 12 quarters to Q2 2026, Horizon Bank's total assets ran between $421.7M (Q3 2023) and $574.3M (Q2 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
$574.3M total assets against $495.4M; $490.3M total liabilities against $420.1M.
$399.2M net loans and leases against $379.2M; $474.9M total deposits against $409.6M.
$47.5M securities against $44.3M; $90.6M cash and balances due against $40.9M.
$8.9M total interest income against $7.7M; $2.1M total interest expense against $1.6M.
$6.8M net interest income against $6.1M.
$7K total noninterest income against -$151K; $1.9M total noninterest expense against $1.9M.
$90K provision for credit losses against $60K.
$4.2M net income against $3.5M.
3.03% return on assets against 2.83%; 5.37% net interest margin against 5.45%.
15.07% CET1 capital ratio against 14.30%; 13.96% tier 1 leverage ratio against 14.04%.
Inside the full Horizon 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Horizon Bank rankings
Its closest position to the top of a national ranking is 23 of 3,606, for efficiency ratio; its furthest is 1,842 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.71% (Q4 2024) to 3.03% (Q2 2026) and its net interest margin ran from 4.48% (Q3 2024) to 5.82% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | 3.03% | 0.46% | 3.07% | 5.37% |
| Q1 2026 | 14.34% | 2.88% | 0.45% | 3.23% | 5.06% |
| Q4 2025 | 13.71% | 2.74% | 0.74% | 4.89% | 5.82% |
| Q3 2025 | 13.75% | 3.01% | 0.57% | 4.05% | 5.72% |
| Q2 2025 | 14.30% | 2.83% | 1.28% | 7.88% | 5.45% |
| Q1 2025 | 14.11% | 2.38% | 1.30% | 8.51% | 4.85% |
| Q4 2024 | 13.52% | 1.71% | 1.33% | 9.19% | 4.95% |
| Q3 2024 | 14.27% | 2.32% | 1.10% | 8.63% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Horizon Bank (main office) | Waverly , NE | 68462 | $245.7M |
| Springfield Branch | Springfield , NE | 68059 | $163.9M |
| Superior Branch | Superior , NE | 68978 | $35.3M |
| Mccook Branch | Mccook , NE | 69001 | $30.0M |
| Waverly Branch | Waverly , NE | 68462 | $0 |
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 |
|---|---|---|---|
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Springfield 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NE, rank 40 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 28 loans originated, $22.4M originated, across 7 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 Horizon Bank
What are Horizon Bank's total assets?
As of the Q2 2026 filing, Horizon Bank reported total assets of $574.3 million in its FFIEC call report.
Where is Horizon Bank headquartered?
It is headquartered in Waverly, NE, United States.
When was Horizon Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Horizon Bank FDIC-insured?
Yes. It 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.
What is Horizon Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Horizon Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Horizon Bank's Texas Ratio?
Its Texas Ratio is 3.07% 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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