Bank Safety Analysis
Is Horizon Bank, SSB Safe? Austin, Texas
Based on its Q3 2026 call report, Horizon Bank, SSB meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.69%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Horizon Bank, SSB safe?
On its Q3 2026 call report, Horizon Bank, SSB's Community Bank Leverage Ratio is 8.76%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 8.76%
- Texas ratio (Q3 2026): 0.69%
- Noncurrent loans ratio (Q3 2026): 0.09%
Horizon Bank, SSB is an FDIC-insured savings bank (FDIC Certificate #3256). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Horizon Bank, SSB (FDIC Certificate #3256) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Horizon Bank, SSB passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: commercial real estate to capital and held-to-maturity unrealized loss to equity.
The largest change between Q2 2026 and Q3 2026 was in net interest margin, which fell 0.33 percentage points to 3.81%. Horizon Bank, SSB has the 16th lowest leverage ratio of the 345 banks headquartered in Texas, at 8.76% as of Q3 2026. Horizon Bank, SSB reported 8.76% on leverage ratio for Q3 2026, 1.78 points below the 10.54% median for banks in the $1B-10B asset tier.
From Q4 2023 to Q3 2026, Horizon Bank, SSB's CET1 ratio ranged between 11.99% (Q2 2026) and 12.89% (Q1 2025) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.69% (Q3 2026). Between Q3 2025 and Q3 2026, Horizon Bank, SSB's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 0.09%, Texas ratio rose from 0.00% to 0.69% and return on assets rose from 1.65% to 1.79%.
Of the 345 banks headquartered in Texas, Horizon Bank, SSB is the 43rd largest by total assets at Q3 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $457.9M of $1.63B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Horizon Bank, SSB's community bank leverage ratio of 8.76% is below the 10.54% median, nonperforming loans ratio of 0.09% is below the 0.54% median, Texas ratio of 0.69% is below the 3.95% median, and efficiency ratio of 42.41% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Horizon Bank, SSB's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Horizon Bank, SSB score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Horizon Bank, SSB trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.69% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.09% | Within range |
| Uninsured deposit share BankRegReports band | 46.93% | Within range |
| Loan-to-deposit ratio BankRegReports band | 78.47% | Within range |
| Commercial real estate to capital BankRegReports band | 259.01% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 45.59% | Flagged |
Capital ratio: last 11 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 11.99% |
| Q1 2026 | 12.03% |
| Q4 2025 | 12.51% |
| Q3 2025 | 12.88% |
| Q2 2025 | 12.89% |
| Q1 2025 | 12.89% |
| Q4 2024 | 12.72% |
| Q3 2024 | 12.70% |
| Q2 2024 | 12.62% |
| Q1 2024 | 12.79% |
| Q4 2023 | 12.51% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.69% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.02% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $457.9M
- Owner-occupied commercial real estate loans: $411.2M
- Commercial and industrial loans: $287.1M
- 1-4 family residential loans: $215.2M
- Construction and land development loans: $132.2M
- Multifamily loans: $44.3M
- Loans to nondepository financial institutions: $23.5M
- Loans to states and political subdivisions: $19.3M
How have Horizon Bank, SSB's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $2.52B | 8.76% | 0.09% | 0.69% | 42.41% |
| Jun 30, 2026 | $2.55B | 8.95% | 0.00% | 0.00% | 52.27% |
| Mar 31, 2026 | $2.44B | 9.24% | 0.00% | 0.00% | 51.52% |
| Dec 31, 2025 | $2.35B | 9.09% | 0.00% | 0.00% | 52.61% |
| Sep 30, 2025 | $2.38B | 9.58% | 0.00% | 0.00% | 51.15% |
| Jun 30, 2025 | $2.37B | 9.64% | 0.00% | 0.00% | 50.18% |
| Mar 31, 2025 | $2.42B | 9.38% | 0.00% | 0.00% | 48.97% |
| Dec 31, 2024 | $2.48B | 8.79% | 0.00% | 0.00% | 50.80% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Horizon Bank, SSB FDIC insured?
Yes. Horizon Bank, SSB is an FDIC-insured savings bank (FDIC Certificate #3256). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Horizon Bank, SSB well capitalized?
On its Q3 2026 call report, Horizon Bank, SSB's Community Bank Leverage Ratio is 8.76%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Horizon Bank, SSB's key safety ratios?
For Q3 2026, Horizon Bank, SSB reports leverage 8.76%, Texas ratio 0.69%, noncurrent loans 0.09%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Horizon Bank, SSB fails?
For Q3 2026, Horizon Bank, SSB reported $2.08B in total deposits, 46.93% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Horizon Bank, SSB profile.
How we score this
Horizon Bank, SSB elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Horizon Bank, SSB is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 3256) · FFIEC NIC profile (RSSD 703552)
Explore: Full Horizon Bank, SSB profile · Other banks in TX · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.