| Metric | Horicon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +5.5% | +2.4 pts |
| Deposit growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.2 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 13.8% | 12.2% | +1.6 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.65B | $1.42B | $1.36B | $170.2M | $11.6M | 1.42% | 4.22% | 0.77% |
| Q1 2026 | $1.68B | $1.44B | $1.35B | $168.7M | $5.5M | 1.34% | 4.14% | 0.78% |
| Q4 2025 | $1.59B | $1.39B | $1.33B | $166.1M | $18.2M | 1.17% | 4.10% | 0.65% |
| Q3 2025 | $1.57B | $1.38B | $1.30B | $162.6M | $13.0M | 1.11% | 4.03% | 0.67% |
| Q2 2025 | $1.53B | $1.35B | $1.28B | $158.4M | $8.0M | 1.04% | 3.97% | 0.72% |
| Q1 2025 | $1.54B | $1.36B | $1.23B | $153.0M | $238K | 0.06% | 3.87% | 0.57% |
| Q4 2024 | $1.58B | $1.37B | $1.23B | $153.5M | $13.7M | 0.89% | 3.61% | 0.53% |
| Q3 2024 | $1.60B | $1.38B | $1.24B | $152.8M | $9.9M | 0.86% | 3.55% | 0.54% |
Loan mix (Q2 2026): real estate $1.11B · commercial $171.6M · consumer $4.4M · securities $83.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Horicon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 59.0% | 54th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Horicon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Horicon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Horicon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Horicon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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