| Metric | Horizon Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.2 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.6 pts |
| ROA | 0.97% | 1.24% | -0.3 pts |
| ROE | 9.2% | 11.9% | -2.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.0M | $178.5M | $149.1M | $21.2M | $986K | 0.97% | 3.93% | 1.01% |
| Q1 2026 | $202.2M | $180.3M | $135.9M | $20.7M | $468K | 0.92% | 3.87% | 1.39% |
| Q4 2025 | $206.0M | $176.8M | $157.0M | $22.4M | $2.1M | 1.05% | 3.78% | 0.49% |
| Q3 2025 | $198.4M | $175.5M | $148.4M | $21.6M | $1.5M | 0.98% | 3.72% | 0.89% |
| Q2 2025 | $197.6M | $175.4M | $146.2M | $21.0M | $954K | 0.95% | 3.63% | 0.00% |
| Q1 2025 | $205.8M | $181.4M | $136.3M | $20.3M | $432K | 0.86% | 3.48% | 0.28% |
| Q4 2024 | $196.2M | $171.0M | $145.7M | $21.0M | $1.5M | 0.79% | 3.49% | 0.14% |
| Q3 2024 | $190.1M | $164.9M | $140.4M | $21.0M | $1.2M | 0.83% | 3.44% | 0.19% |
Loan mix (Q2 2026): real estate $62.2M · commercial $8.5M · consumer $2.6M · securities $28.9M
| Ratio | Horizon Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 62.9% | 56th |
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 Financial 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 Financial 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 Financial 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 Financial 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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