Horizon Bank, SSB: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Horizon Bank, SSB reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.67% in Q3 2026, up 0.04 percentage points from 5.63% in Q3 2025. Across the 12 quarters shown it ranged from 5.21% (Q1 2024) to 5.67% (Q3 2026).
Total interest expense climbed 25.3% in Q3 2026, from $8.7M to $10.9M. It was the largest change from Q2 2026 among the key lines here. Within Texas, Horizon Bank, SSB is 235th of 344 on net interest margin, 3.81% as of Q3 2026. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin; Horizon Bank, SSB reported 3.81% for Q3 2026, nearly level with it.
Asset yields
Largest change in this table: yield on securities, up 0.24 points to 3.46% in Q3 2026 after 3.22% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 6.70% |
| Yield on securities | 3.46% |
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Funding costs
Cost of borrowings changed the most here, up 0.67 points to 2.64% in Q3 2026 from 1.97% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 2.64% |
Spread and margin
Net interest margin changed the most here, down 0.33 points to 3.81% in Q3 2026 from 4.14% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $27.2M |
| Total interest expense | $10.9M |
| Interest expense on deposits | $9.6M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.52% | 2.15% | 3.52% | 5.99% | 3.11% |
| Q1 2024 | 5.21% | 1.92% | 3.37% | 6.02% | 2.90% |
| Q2 2024 | 5.29% | 1.95% | 3.44% | 6.19% | 2.93% |
| Q3 2024 | 5.41% | 1.96% | 3.53% | 6.32% | 3.02% |
| Q4 2024 | 5.38% | 1.74% | 3.77% | 6.40% | 3.01% |
| Q1 2025 | 5.38% | 1.72% | 3.69% | 6.31% | 3.17% |
| Q2 2025 | 5.50% | 1.83% | 3.76% | 6.35% | 3.09% |
| Q3 2025 | 5.63% | 1.83% | 3.88% | 6.45% | 3.07% |
| Q4 2025 | 5.64% | 1.66% | 4.16% | 6.55% | 2.90% |
| Q1 2026 | 5.52% | 1.46% | 4.14% | 6.38% | 2.97% |
| Q2 2026 | 5.63% | 1.54% | 4.14% | 6.49% | 3.22% |
| Q3 2026 | 5.67% | 1.91% | 3.81% | 6.70% | 3.46% |
Horizon Bank, SSB yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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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