Horizon Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Horizon Financial Bank of Munich, ND against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.34% | -0.32% | 34th below |
| ROAE | 9.88% | 13.31% | -3.43% | 35th below |
| Net Interest Margin | 3.96% | 3.93% | +0.03% | 51st above |
| Efficiency Ratio | 63.71% | 61.14% | +2.57% | 43rd below |
| PPNR / Avg Assets | 1.38% | 1.68% | -0.30% | 38th below |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.37% | 3.32% | +0.05% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 42nd below |
| Texas Ratio | 8.84% | 7.33% | +1.51% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.78% | 12.14% | -1.36% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.55% | 11.37% | -0.82% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.55% | 11.09% | -0.54% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.44% | 80.64% | +3.80% | 42nd below |
| Core Deposit Ratio | 84.91% | 86.86% | -1.95% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.72% | 6.85% | -5.13% | 31st below |
| Loan Growth (Y/Y) | 1.98% | 7.90% | -5.92% | 32nd below |
| Deposit Growth (Y/Y) | 1.78% | 6.29% | -4.51% | 34th below |
See Horizon Financial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Horizon Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Horizon Financial Bank profile, how to read a UBPR, or how this data updates.