Horizon Bank, SSB: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Horizon Bank, SSB of Austin, TX against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.79% | 1.32% | +0.47% | 79th best quarter |
| ROAE | 22.56% | 12.84% | +9.72% | 92nd best quarter |
| Net Interest Margin | 3.81% | 3.80% | +0.01% | 51st better half |
| Efficiency Ratio | 42.41% | 57.50% | -15.09% | 11th best quarter |
| PPNR / Avg Assets | 2.28% | 1.78% | +0.50% | 80th best quarter |
| Yield on Earning Assets | 5.67% | 5.62% | +0.05% | 53rd |
| Cost of Funds | 1.91% | 2.05% | -0.14% | 42nd better half |
| Net Interest Spread | 3.08% | 3.16% | -0.08% | 47th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.54% | -0.45% | 11th best quarter |
| NPA / Total Assets | 0.06% | 0.43% | -0.37% | 10th best quarter |
| NCO / Avg Loans | 0.00% | 0.03% | -0.03% | 11th best quarter |
| ACL / Total Loans | 1.70% | 1.14% | +0.56% | 92nd |
| ACL / NPLs (Coverage) | 1873.12% | 206.61% | +1666.51% | — |
| Texas Ratio | 0.69% | 3.89% | -3.20% | 12th best quarter |
| CRE / Total Capital | 259.01% | 224.99% | +34.02% | 66th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 8.76% | 10.57% | -1.81% | 7th worst quarter |
| Equity / Assets | 7.52% | 10.20% | -2.68% | 7th worst quarter |
| TCE / Tangible Assets | 7.46% | 9.58% | -2.12% | 10th worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 78.47% | 88.09% | -9.62% | 26th |
| Core Deposit Ratio | 93.88% | 89.11% | +4.77% | 76th best quarter |
| Uninsured Deposit Ratio | 46.93% | 31.09% | +15.84% | 86th worst quarter |
| Borrowings / Total Assets | 8.77% | 4.05% | +4.72% | 79th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.86% | 4.80% | +1.06% | 56th |
| Loan Growth (Y/Y) | 4.51% | 6.01% | -1.50% | 40th |
| Deposit Growth (Y/Y) | -0.08% | 4.64% | -4.72% | 17th |
See Horizon Bank, SSB's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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, SSB profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Horizon Bank, SSB peer analysis.