Branch Network
Horizon Financial Bank Locations & Branches Munich, North Dakota
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Horizon Financial Bank operates 5 branches from its headquarters in Munich, ND, .
Horizon Financial Bank branch network
All 5 branches are in NORTH DAKOTA, across 5 cities. Its largest office by deposits is its main office in Munich, ND, with $55.7M (31.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Horizon Financial Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 10.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $201.0M
- Tier 1 leverage ratio, Q2 2026
- 10.78%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1905
Full financial profile · Is Horizon Financial Bank safe? · Horizon Financial Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Munich, ND (1 branch) | 1 of 1 | 100.0% | $55.7M |
| State: ND (5 branches) | 40 of 70 | 0.4% | $178.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in North Dakota.
Share by county and metro area
Horizon Financial Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Cavalier, ND (3 branches) | 3 of 3 | 28.3% | $102.1M | $360.8M |
| Ramsey, ND (1 branch) | 6 of 7 | 4.1% | $40.0M | $977.3M |
| Burleigh, ND (1 branch) | 15 of 16 | 0.7% | $36.4M | $5.57B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Bismarck, ND (1 branch) | 16 of 18 | 0.5% | $36.4M | $6.92B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Horizon Financial Bank (main office) | Munich, ND | 58352 | $55.7M |
| Devils Lake Branch | Devils Lake, ND | 58301 | $40.0M |
| Bismark Branch | Bismarck, ND | 58501 | $36.4M |
| Langdon Branch | Langdon, ND | 58249 | $28.8M |
| Osnabrock Branch | Osnabrock, ND | 58269 | $17.5M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15598) · FFIEC NIC profile (RSSD 877350)