Horizon Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Horizon Bank of Waverly, NE against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.03% | 1.34% | +1.69% | 97th top |
| ROAE | 20.61% | 13.32% | +7.29% | 88th top |
| Net Interest Margin | 5.37% | 3.93% | +1.44% | 96th top |
| Efficiency Ratio | 25.22% | 61.15% | -35.93% | 99th top |
| PPNR / Avg Assets | 3.55% | 1.68% | +1.87% | 98th top |
| Yield on Earning Assets | 7.02% | 5.67% | +1.35% | 95th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 5.04% | 3.32% | +1.72% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.94% | -0.48% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.46% | 0.70% | -0.24% | 40th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) | 203.88% | 1546.94% | -1343.06% | 49th below |
| Texas Ratio | 3.07% | 7.34% | -4.27% | 53rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 176.47% | 1395.90% | -1219.43% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.07% | 19.49% | -4.42% | 49th below |
| Tier 1 Ratio | 15.07% | 19.52% | -4.45% | 49th below |
| Total Capital Ratio | 15.80% | 20.61% | -4.81% | 45th below |
| Leverage Ratio | 13.96% | 12.14% | +1.82% | 81st top |
| Equity / Assets | 14.62% | 11.36% | +3.26% | 87th top |
| TCE / Tangible Assets | 14.29% | 11.08% | +3.21% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.84% | 80.66% | +4.18% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.45% | 86.85% | +0.60% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.91% | 6.84% | +9.07% | 92nd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.45% | 7.92% | -2.47% | 51st above |
| Deposit Growth (Y/Y) | 15.95% | 6.28% | +9.67% | 92nd top |
See Horizon Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Horizon Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Horizon Bank profile, how to read a UBPR, or how this data updates.