Horizon Bank, SSB
Horizon Bank, SSB is an FDIC-insured savings bank headquartered in Austin, TX, supervised by the FDIC, with $2.52B in total assets at Q3 2026, up 5.9% from Q3 2025, the 43rd largest of 345 banks headquartered in Texas. It was established in 1905 and holds FDIC certificate 3256. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.76% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3256
- Headquarters
- Austin, TX
- Established
- 1905
- Total assets, Q3 2026
- $2.52B
- Assets vs Q3 2025
- +5.9%
- Tier 1 leverage ratio, Q3 2026
- 8.76%
- Domestic offices
- 6 branches
- Routing number
- 111907940
- Safety and soundness
- Is Horizon Bank, SSB safe?
- Latest call report
- Q3 2026, FFIEC 051 · Horizon Bank, SSB call report
- Holding company
- FRONTIER BANCSHARES, INC.
- Asset rank in state
- 43rd of 345 in Texas
Horizon Bank, SSB is one of the more profitable banks of its size. Its balance sheet stood at $2.5 billion at September 30, 2026, up 5.9% from a year earlier; it is based in Austin, Texas. It returns 22.6% a year on shareholders' equity, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 12.8%). On the other hand, it funds 8.76% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.57%). Much of that comes from cost control: it spends about 42 cents to bring in each dollar of revenue.
Its securities portfolio is underwater by $124 million, an amount equal to 57% of Tier 1 capital. Loans and deposits moved in opposite directions: over the year loans rose 4.5% and deposits fell 0.1%. Funding is the softer spot: it holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 31.1%).
As of September 30, 2026, Horizon Bank, SSB reported a return on assets of 1.79%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.69%. The figures come from its call report filed with the FFIEC.
Of the 345 banks headquartered in Texas, Horizon Bank, SSB is the 43rd largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 1.4% to $2.52B, loans rose 0.1% and deposits fell 5.6%. Non-owner-occupied commercial real estate loans made up 28.0% of its total loans on September 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.2%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TX; its Austin 2 offices book 90% of its branch deposits. By the capital ratios in its Q3 2026 call report, Horizon Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 600 West 5th Street, Austin, TX 78701
- County
- Travis
- Metro Area
- Austin-Round Rock-San Marcos, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1905
- Former names
- First Holland Bank, SSB (2006-2007)
- Domestic offices
- 6 branches
- Employees (FTE)
- 145
- Domestic deposits
- $2.08B
- Allowance for credit losses
- $27.9M
- Net charge-offs (YTD)
- $109K
- Average total assets
- $2.48B
- Average total loans
- $1.63B
- Average interest-bearing deposits
- $1.47B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3256
- Fed RSSD
- 703552
- SEC CIK
- 1379918 → filed by FRONTIER BANCSHARES, INC.
- Website
- www.horizon.bank →
- Parent Holding Company
- FRONTIER BANCSHARES, INC. (RSSD 3412798)
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch Horizon Bank, SSB: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Horizon Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Horizon Bank, SSB's total assets moved between a low of $2.31B (Q1 2024) and a high of $2.55B (Q2 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.52B total assets against $2.38B; $2.33B total liabilities against $2.17B.
$1.61B net loans and leases against $1.54B; $2.08B total deposits against $2.09B.
$676.8M securities against $565.1M; $87.4M cash and balances due against $129.2M.
$33.1M total interest income against $31.0M; $10.9M total interest expense against $9.7M.
$22.2M net interest income against $21.2M.
$2.7M total noninterest income against $4.3M; $10.7M total noninterest expense against $13.2M.
$250K provision for credit losses against $100K.
$11.1M net income against $9.7M.
1.79% return on assets against 1.65%; 3.81% net interest margin against 3.88%.
8.76% tier 1 leverage ratio against 9.58%.
Inside the full Horizon Bank, SSB 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 are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Horizon Bank, SSB rankings
Its closest position to the top of a national ranking is 298 of 3,624, for efficiency ratio; its furthest is 2,873 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.30% (Q4 2024) to 1.79% (Q3 2026) and its net interest margin ran from 3.69% (Q1 2025) to 4.16% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 8.76% | 1.79% | 0.09% | 0.69% | 3.81% |
| Q2 2026 | 8.95% | 1.74% | 0.00% | 0.00% | 4.14% |
| Q1 2026 | 9.24% | 1.77% | 0.00% | 0.00% | 4.14% |
| Q4 2025 | 9.09% | 1.70% | 0.00% | 0.00% | 4.16% |
| Q3 2025 | 9.58% | 1.65% | 0.00% | 0.00% | 3.88% |
| Q2 2025 | 9.64% | 1.70% | 0.00% | 0.00% | 3.76% |
| Q1 2025 | 9.38% | 1.66% | 0.00% | 0.00% | 3.69% |
| Q4 2024 | 8.79% | 1.30% | 0.00% | 0.00% | 3.77% |
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, SSB (main office) | Austin , TX | 78701 | $1.82B |
| Technology Boulevard Branch | Austin , TX | 78727 | $159.5M |
| Salado Branch | Salado , TX | 76571 | $97.4M |
| Temple Branch | Temple , TX | 76502 | $86.9M |
| Holland Branch | Holland , TX | 76534 | $42.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 4 against individuals associated with it
- May 30, 1997, OCC: Formal Agreement: The First National Bank Of Holland
- Period: Most recent institution action May 30, 1997. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 62 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 23 loans originated, $36.0M originated, across 4 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.8M approved, $458K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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, SSB
What are Horizon Bank, SSB's total assets?
As of the Q3 2026 filing, Horizon Bank, SSB reported total assets of $2.52 billion in its FFIEC call report.
Where is Horizon Bank, SSB headquartered?
It is headquartered in Austin, TX, United States.
When was Horizon Bank, SSB founded?
It was established in 1905, per the FDIC institution directory.
Is Horizon Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #3256). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Horizon Bank, SSB?
Horizon Bank, SSB's primary federal regulator is the FDIC.
How many branches does Horizon Bank, SSB operate?
It operates 6 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, SSB's Texas Ratio?
Its Texas Ratio is 0.69% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was Horizon Bank, SSB previously called?
The charter now named Horizon Bank, SSB has also operated as First Holland Bank, SSB (2006-2007), per FDIC structure-change records.
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