Horizon Bank, SSB
Total assets
$2.55B
▲ +7.6% YoY
Deposits
$2.21B
▲ +8.3% YoY
Loans
$1.61B
▲ +6.2% YoY
Offices
7
FRONTIER BANCSHARES INC
ROA (annualized)
1.74%
peers 1.26%
ROE (annualized)
20.71%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Horizon Bank, SSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.5% | +2.1 pts |
| Deposit growth (YoY) | +8.3% | +5.1% | +3.2 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.2 pts |
| ROA | 1.74% | 1.26% | +0.5 pts |
| ROE | 20.7% | 12.2% | +8.5 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FRONTIER BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 600 West 5th Street, Austin, TX, 78701
- County
- Travis
- Metro area
- Austin-Round Rock-Georgetown, TX
- Offices
- 7
- FDIC cert #
- 3256
- RSSD ID
- 703552
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.55B | $2.21B | $1.61B | $204.3M | $21.3M | 1.74% | 4.08% | 0.00% |
| Q1 2026 | $2.44B | $2.08B | $1.59B | $203.8M | $10.5M | 1.76% | 4.09% | 0.00% |
| Q4 2025 | $2.35B | $2.06B | $1.56B | $208.0M | $40.0M | 1.67% | 3.82% | 0.00% |
| Q3 2025 | $2.38B | $2.09B | $1.54B | $210.7M | $29.6M | 1.63% | 3.66% | 0.00% |
| Q2 2025 | $2.37B | $2.04B | $1.51B | $204.6M | $19.9M | 1.64% | 3.59% | 0.00% |
| Q1 2025 | $2.42B | $2.13B | $1.49B | $205.4M | $9.9M | 1.62% | 3.55% | 0.00% |
| Q4 2024 | $2.48B | $2.24B | $1.50B | $199.8M | $33.8M | 1.42% | 3.53% | 0.00% |
| Q3 2024 | $2.36B | $2.10B | $1.48B | $203.7M | $25.6M | 1.45% | 3.41% | 0.00% |
Loan mix (Q2 2026): real estate $1.30B · commercial $289.3M · consumer $843K · securities $680.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Horizon Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.26% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 12.2% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.70% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 59.0% | 30th | |
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% |
Balance sheet
| Ratio | Horizon Bank, SSB | 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% |
Capital
| Ratio | Horizon Bank, SSB | 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% |
Credit quality
| Ratio | Horizon Bank, SSB | 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% |
Franchise
| Ratio | Horizon Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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