Horizon Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 5.2% from Q1 2026 to Q2 2026, ending at $70.0M against $66.5M. It was the largest change among the key lines on this page. Horizon Bank ranks 25th of 57 Nebraska banks on CET1 ratio, in the upper half at 15.07% (Q2 2026). At 15.07%, Horizon Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 13.96% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $77.7M |
| Tier 1 capital | $77.7M |
| Total risk-based capital | $81.5M |
| Total equity capital | $84.0M |
| Risk-weighted assets | $515.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.62% |
| Tangible equity to tangible assets | 14.29% |
| Equity capital to average assets | 15.02% |
| Internal capital growth rate | 17.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $486K |
| Common stock surplus | $9.5M |
| Retained earnings | $70.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $4.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.69% | 15.69% | 16.11% | 15.17% | $397.0M |
| Q4 2023 | 13.84% | 13.84% | 14.25% | 13.66% | $414.6M |
| Q1 2024 | 13.87% | 13.87% | 14.28% | 13.92% | $432.1M |
| Q2 2024 | 13.40% | 13.40% | 13.80% | 13.89% | $467.2M |
| Q3 2024 | 14.27% | 14.27% | 14.72% | 14.01% | $453.7M |
| Q4 2024 | 13.52% | 13.52% | 14.12% | 13.74% | $464.9M |
| Q1 2025 | 14.11% | 14.11% | 14.73% | 14.16% | $465.8M |
| Q2 2025 | 14.30% | 14.30% | 14.90% | 14.04% | $480.1M |
| Q3 2025 | 13.75% | 13.75% | 14.28% | 14.42% | $522.3M |
| Q4 2025 | 13.71% | 13.71% | 14.43% | 13.74% | $512.5M |
| Q1 2026 | 14.34% | 14.34% | 15.06% | 14.26% | $516.8M |
| Q2 2026 | 15.07% | 15.07% | 15.80% | 13.96% | $515.7M |
Horizon Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Horizon Bank, freeSource: Call Report Schedule RC-R, 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 Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14327) · FFIEC NIC profile (RSSD 663955)