Horizon Financial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 11.23 percentage points in Q2 2026, from 26.85% to 38.08%. It was the largest change from Q1 2026 among the key lines here. Horizon Financial Bank ranks 23rd of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 84.44% (Q2 2026). Horizon Financial Bank reported 84.44% on loan-to-deposit ratio for Q2 2026, 3.61 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.8M |
| Net loans and leases | $149.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.00% |
| Loan-to-deposit ratio | 84.44% |
| Net loans to equity capital | 7.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.69% |
| Multifamily (5+ residential) | 0.17% |
| Commercial and industrial | 5.66% |
| Consumer | 1.73% |
| Credit cards | 0.07% |
| Farm | 26.49% |
| Loans to depository institutions | 0.01% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.08% |
| Construction concentration (Tier 1 capital + allowance) | 16.02% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.56% |
| Interest income on loans | $2.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $129.6M | $166.4M | 9.26% | 6.98% | 2.12% |
| Q4 2023 | $140.6M | $165.8M | 8.48% | 6.76% | 1.89% |
| Q1 2024 | $129.5M | $163.8M | 8.88% | 6.18% | 2.10% |
| Q2 2024 | $131.8M | $157.9M | 6.45% | 6.99% | 2.14% |
| Q3 2024 | $141.9M | $164.9M | 6.02% | 7.32% | 2.07% |
| Q4 2024 | $147.2M | $171.0M | 5.72% | 6.57% | 2.02% |
| Q1 2025 | $137.9M | $181.4M | 6.23% | 7.75% | 2.21% |
| Q2 2025 | $147.8M | $175.4M | 5.77% | 6.88% | 2.03% |
| Q3 2025 | $150.0M | $175.5M | 5.72% | 7.20% | 2.17% |
| Q4 2025 | $158.7M | $176.8M | 5.97% | 6.65% | 1.99% |
| Q1 2026 | $137.6M | $180.3M | 6.59% | 6.83% | 1.99% |
| Q2 2026 | $150.8M | $178.5M | 7.69% | 5.66% | 1.73% |
Horizon Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Horizon Financial Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Horizon Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15598) · FFIEC NIC profile (RSSD 877350)