| Metric | Horizon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.9% | +4.9% | +11.0 pts |
| Deposit growth (YoY) | +15.9% | +4.3% | +11.6 pts |
| Loan growth (YoY) | +5.3% | +5.3% | -0.1 pts |
| ROA | 2.95% | 1.28% | +1.7 pts |
| ROE | 19.9% | 12.5% | +7.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $574.3M | $474.9M | $399.2M | $84.0M | $8.0M | 2.95% | 5.12% | 0.46% |
| Q1 2026 | $539.2M | $445.8M | $411.4M | $80.3M | $3.8M | 2.87% | 5.02% | 0.49% |
| Q4 2025 | $511.6M | $424.1M | $403.2M | $76.6M | $13.5M | 2.76% | 5.45% | 0.74% |
| Q3 2025 | $512.0M | $423.3M | $408.8M | $78.0M | $10.0M | 2.76% | 5.31% | 0.62% |
| Q2 2025 | $495.4M | $409.6M | $379.2M | $75.3M | $6.3M | 2.63% | 5.11% | 1.20% |
| Q1 2025 | $472.6M | $387.3M | $375.2M | $72.8M | $2.8M | 2.39% | 4.83% | 1.31% |
| Q4 2024 | $459.2M | $379.1M | $365.3M | $70.8M | $10.4M | 2.30% | 4.69% | 1.41% |
| Q3 2024 | $465.4M | $376.7M | $369.1M | $70.2M | $8.4M | 2.49% | 4.60% | 1.28% |
Loan mix (Q2 2026): real estate $375.5M · commercial $13.5M · consumer $6.2M · securities $47.5M
| Ratio | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.95% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 12.5% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 26.2% | 61.1% | 0th |
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 | Horizon 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 | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Horizon 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 | Horizon 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 | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 4 counties across 1 state (+0 vs 2025) · $474.9M branch deposits. Biggest market: Lancaster, NE, ranked 12th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lancaster, NE | 2 | $245.7M | 1.57% | 12th |
| Sarpy, NE | 1 | $163.9M | 2.56% | 13th |
| Nuckolls, NE | 1 | $35.3M | 17.97% | 4th |
| 1 more county with Pro → | ||||
Nebraska: 46th with 0.45% · Lincoln metro: 15th, 1.44% · Omaha metro: 40th, 0.32% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (10 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).