Horizon Bank, SSB: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Horizon Bank, SSB reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $87.4M in Q3 2026, down 32.3% from $129.2M in Q3 2025. That is 3.5% of its total assets. Across the 12 quarters shown it ranged from $87.4M (Q3 2026) to $216.8M (Q4 2024).
The standout move of Q3 2026 was in Other borrowed money: 175.0% higher than in Q2 2026, at $170.5M. Within Texas, Horizon Bank, SSB is 138th of 345 on loan-to-deposit ratio, 78.47% as of Q3 2026. Horizon Bank, SSB reported 78.47% on loan-to-deposit ratio for Q3 2026, 9.67 points below the 88.13% median for banks in the $1B-10B asset tier.
Liquid assets
Largest change in this table: cash and balances due from depository institutions, down 31.0% to $87.4M in Q3 2026 after $126.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $87.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $764.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $50.3M |
| Other borrowed money | $170.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.77% |
| Trading liabilities | $0 |
Funding structure
Loans and leases to core deposits changed the most here, up 4.87 points to 83.58% in Q3 2026 from 78.71% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.47% |
| Net loans and leases to deposits | 77.13% |
| Loans and leases to core deposits | 83.58% |
| Core deposits to total deposits | 93.88% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 68.75% | 95.76% | $0 | $50.0M |
| Q1 2024 | 73.16% | 94.96% | $0 | $100.0M |
| Q2 2024 | 72.91% | 94.46% | $0 | $100.0M |
| Q3 2024 | 71.71% | 93.65% | $0 | $25.0M |
| Q4 2024 | 68.02% | 93.56% | $0 | $0 |
| Q1 2025 | 71.30% | 93.33% | $0 | $50.0M |
| Q2 2025 | 75.50% | 93.32% | $0 | $100.0M |
| Q3 2025 | 75.02% | 93.34% | $0 | $50.0M |
| Q4 2025 | 77.07% | 93.36% | $0 | $50.0M |
| Q1 2026 | 78.05% | 93.31% | $49.5M | $75.0M |
| Q2 2026 | 73.99% | 94.00% | $49.9M | $62.0M |
| Q3 2026 | 78.47% | 93.88% | $50.3M | $170.5M |
Horizon Bank, SSB liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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.
Regulator records: FDIC BankFind (cert 3256) · FFIEC NIC profile (RSSD 703552)