Horizon Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 8.29 percentage points lower than in Q1 2026, at 84.84%. On return on assets, Horizon Bank ranks 3rd highest among the 138 banks headquartered in Nebraska, at 3.03% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Horizon Bank reported 3.03% on return on assets in Q2 2026, 1.78 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 13.96% |
| Equity capital to assets | 14.62% |
| Tangible equity to tangible assets | 14.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.46% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.07% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 203.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.03% |
| Return on equity | 20.61% |
| Net interest margin | 5.37% |
| Efficiency ratio | 25.22% |
| Yield on earning assets | 7.02% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.84% |
| Core deposits to total deposits | 87.45% |
| Brokered deposits to total deposits | 8.33% |
| Deposits to assets | 82.71% |
| Securities to assets | 8.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.69% | 15.69% | 16.11% | 15.17% | 2.39% |
| Q4 2023 | 13.84% | 13.84% | 14.25% | 13.66% | 2.31% |
| Q1 2024 | 13.87% | 13.87% | 14.28% | 13.92% | 2.24% |
| Q2 2024 | 13.40% | 13.40% | 13.80% | 13.89% | 2.89% |
| Q3 2024 | 14.27% | 14.27% | 14.72% | 14.01% | 2.32% |
| Q4 2024 | 13.52% | 13.52% | 14.12% | 13.74% | 1.71% |
| Q1 2025 | 14.11% | 14.11% | 14.73% | 14.16% | 2.38% |
| Q2 2025 | 14.30% | 14.30% | 14.90% | 14.04% | 2.83% |
| Q3 2025 | 13.75% | 13.75% | 14.28% | 14.42% | 3.01% |
| Q4 2025 | 13.71% | 13.71% | 14.43% | 13.74% | 2.74% |
| Q1 2026 | 14.34% | 14.34% | 15.06% | 14.26% | 2.88% |
| Q2 2026 | 15.07% | 15.07% | 15.80% | 13.96% | 3.03% |
Horizon Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Horizon Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)