Horizon Bank, SSB: Vital Signs
BankRegReports is independent of Horizon Bank, SSB and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Horizon Bank, SSB reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital 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).
Loan-to-deposit ratio climbed 4.48 percentage points in Q3 2026, from 73.99% to 78.47%. It was the largest change from Q2 2026 among the key lines here. Horizon Bank, SSB ranks 115th of 345 Texas banks on return on assets, in the upper half at 1.79% (Q3 2026). Horizon Bank, SSB reported 1.79% on return on assets for Q3 2026, 0.49 points above the 1.30% median for banks in the $1B-10B asset tier.
Capital adequacy
Tangible equity to tangible assets moved most in this table, down 0.47 points: 7.93% in Q2 2026, 7.46% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital 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% |
| Equity capital to assets | 7.52% |
| Tangible equity to tangible assets | 7.46% |
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).
Get an email when Horizon Bank, SSB files its next quarter, and see its vital signs against peers in the terminal. Free account, no card.
Asset quality
Largest change in this table: nonperforming loans to loans, up 0.09 points to 0.09% in Q3 2026 after 0.00% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.09% |
| Nonperforming assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.69% |
| Allowance for credit losses to loans | 1.70% |
| Reserve coverage of nonperforming loans | 1873.12% |
Earnings
Efficiency ratio changed the most here, down 9.86 points to 42.41% in Q3 2026 from 52.27% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 22.56% |
| Net interest margin | 3.81% |
| Efficiency ratio | 42.41% |
| Yield on earning assets | 5.67% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.47% |
| Core deposits to total deposits | 93.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.78% |
| Securities to assets | 26.89% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 12.51% | 12.51% | 13.76% | 8.52% | 1.27% |
| Q1 2024 | 12.79% | 12.79% | 14.05% | 8.95% | 1.34% |
| Q2 2024 | 12.62% | 12.62% | 13.88% | 9.12% | 1.41% |
| Q3 2024 | 12.70% | 12.70% | 13.96% | 9.17% | 1.58% |
| Q4 2024 | 12.72% | 12.72% | 13.97% | 8.79% | 1.30% |
| Q1 2025 | 12.89% | 12.89% | 14.14% | 9.38% | 1.66% |
| Q2 2025 | 12.89% | 12.89% | 14.14% | 9.64% | 1.70% |
| Q3 2025 | 12.88% | 12.88% | 14.13% | 9.58% | 1.65% |
| Q4 2025 | 12.51% | 12.51% | 13.76% | 9.09% | 1.70% |
| Q1 2026 | 12.03% | 12.03% | 13.29% | 9.24% | 1.77% |
| Q2 2026 | 11.99% | 11.99% | 13.24% | 8.95% | 1.74% |
| Q3 2026 | — | — | — | 8.76% | 1.79% |
Horizon Bank, SSB vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)