Horizon Bank, SSB: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
On its Q3 2026 filing, Horizon Bank, SSB reported 14 of the 19 line items on this page. It did not report total risk-based capital and risk-weighted assets. It elected the community bank leverage ratio, so it files no common equity Tier 1 ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 8.76% in Q3 2026, down 0.83 percentage points from 9.58% in Q3 2025. Across the 12 quarters shown it ranged from 8.52% (Q4 2023) to 9.64% (Q2 2025).
Compared with Q2 2026, Total equity capital fell 7.3% in Q3 2026 to $189.4M, the biggest move on this page.
Risk-based capital ratios
Largest change in this table: tier 1 leverage ratio, down 0.19 points to 8.76% in Q3 2026 after 8.95% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 8.76% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $217.1M |
| Tier 1 capital | $217.1M |
| Total risk-based capital | — |
| Total equity capital | $189.4M |
| Risk-weighted assets | — |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to average assets changed the most here, down 0.63 points to 7.63% in Q3 2026 from 8.26% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 7.52% |
| Tangible equity to tangible assets | 7.46% |
| Equity capital to average assets | 7.63% |
| Internal capital growth rate | -7.98% |
Capital structure
Largest change in this table: retained earnings, down 2.9% to $135.0M in Q3 2026 after $139.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $83.8M |
| Retained earnings | $135.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.5M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 12.51% | 12.51% | 13.76% | 8.52% | $1.66B |
| Q1 2024 | 12.79% | 12.79% | 14.05% | 8.95% | $1.65B |
| Q2 2024 | 12.62% | 12.62% | 13.88% | 9.12% | $1.70B |
| Q3 2024 | 12.70% | 12.70% | 13.96% | 9.17% | $1.72B |
| Q4 2024 | 12.72% | 12.72% | 13.97% | 8.79% | $1.74B |
| Q1 2025 | 12.89% | 12.89% | 14.14% | 9.38% | $1.73B |
| Q2 2025 | 12.89% | 12.89% | 14.14% | 9.64% | $1.74B |
| Q3 2025 | 12.88% | 12.88% | 14.13% | 9.58% | $1.75B |
| Q4 2025 | 12.51% | 12.51% | 13.76% | 9.09% | $1.78B |
| Q1 2026 | 12.03% | 12.03% | 13.29% | 9.24% | $1.82B |
| Q2 2026 | 11.99% | 11.99% | 13.24% | 8.95% | $1.84B |
| Q3 2026 | — | — | — | 8.76% | — |
Horizon Bank, SSB capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Horizon Bank, SSB profile or its peer group comparison.
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