New Horizon Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 466.23 percentage points higher than in Q1 2026, at 553.05%. On return on assets, New Horizon Bank, N.A. is 2nd from the bottom among 56 Virginia banks, -0.36% (Q2 2026). New Horizon Bank, N.A.'s return on assets of -0.36% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.61 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.81% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 8.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 0.85% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 553.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.36% |
| Return on equity | -3.15% |
| Net interest margin | 4.14% |
| Efficiency ratio | 108.06% |
| Yield on earning assets | 6.06% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.77% |
| Core deposits to total deposits | 95.09% |
| Brokered deposits to total deposits | 1.75% |
| Deposits to assets | 79.71% |
| Securities to assets | 15.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.14% | 0.26% | 3.80% | 0.72% | 0.00% |
| Q4 2023 | 12.39% | -0.73% | 3.80% | 0.75% | 0.01% |
| Q1 2024 | 12.10% | -1.01% | 3.32% | 0.65% | 0.00% |
| Q2 2024 | 12.85% | -1.91% | 3.12% | 0.88% | 0.48% |
| Q3 2024 | 11.05% | -1.83% | 3.34% | 0.74% | 0.19% |
| Q4 2024 | 11.70% | -1.08% | 3.19% | 0.45% | -0.07% |
| Q1 2025 | 14.48% | -1.01% | 3.34% | 0.34% | 0.23% |
| Q2 2025 | 13.88% | -1.01% | 3.61% | 0.25% | 0.19% |
| Q3 2025 | 13.64% | -1.22% | 3.96% | 0.20% | 0.28% |
| Q4 2025 | 14.19% | -2.21% | 4.16% | 0.14% | 0.16% |
| Q1 2026 | 12.64% | -0.50% | 4.23% | 1.12% | 0.07% |
| Q2 2026 | 10.81% | -0.36% | 4.14% | 0.15% | 0.44% |
New Horizon Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Horizon Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 New Horizon Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58857) · FFIEC NIC profile (RSSD 3816154)