Horizon Bank, SSB
Horizon Bank, SSB reported total assets of $2.6 bn at Q2 2026, up 7.6% on a year earlier, the 490th largest of 497 banks in our US coverage. The CET1 capital ratio at Horizon Bank, SSB was 11.99%, and the uninsured share of Horizon Bank, SSB was 50.64%. Source: FDIC Call Reports.
Key takeaways
- Horizon Bank, SSB reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, Horizon Bank, SSB slipped from 257th to 343rd among 448 US banks between and (1 = highest; FDIC Call Reports).
- At 20.71%, the return on equity (ROE) of Horizon Bank, SSB sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 12.68% (FDIC Call Reports).
What sets Horizon Bank, SSB apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower tier 1 leverage ratio than Horizon Bank, SSB, at 8.95% in ; the group median is 10.45%.
How large is Horizon Bank, SSB?
The balance sheet of Horizon Bank, SSB at : assets $2.6 bn, deposits $2.2 bn, net loans $1.6 bn (loans equal to 72.74% of deposits). Securities make up 26.6% of total assets at Horizon Bank, SSB. Since , when Horizon Bank, SSB held $712.2 mn, its assets grew 258.6%. In the year to , deposits at Horizon Bank, SSB rose 8.3% while its total assets rose 7.6%. At , Horizon Bank, SSB employed 238 full-time equivalent staff across 6 offices, about $10.7 mn of assets per employee and $368.0 mn of deposits per office.
How much funding at Horizon Bank, SSB is uninsured?
At Horizon Bank, SSB, uninsured deposits (above the FDIC limit) made up 50.64% of domestic deposits at (+1.96 pp on a year earlier); Horizon Bank, SSB ranks 77th of 500 on this measure. In dollars, Horizon Bank, SSB estimated $1.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +8.3% | 474th of 499 |
| Net loans and leases | $1.6 bn | +6.2% | 482nd of 500 |
| Loan-to-deposit ratio | 72.74% | -1.44 pp | 405th of 500 |
| Tier 1 leverage ratio | 8.95% | -0.68 pp | 438th of 500 |
| Total risk-based capital ratio | 13.24% | -0.90 pp | 334th of 448 |
| Net interest margin | 4.08% | +0.49 pp | 121st of 500 |
| Return on assets (ROA) | 1.74% | +0.10 pp | 93rd of 500 |
| Efficiency ratio | 52.57% | +2.27 pp | 180th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $70.6 mn | Narrowed by $15.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.0 mn | Narrowed by $4.2 mn | |
| Noncurrent loans to total loans | 0.00% | 0.00 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | +0.01 pp | 117th of 500 (1 = lowest) |
US rank of Horizon Bank, SSB: 1 = highest unless marked 1 = lowest.
Balance sheet
Horizon Bank, SSB: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.2bn
- Net loans $1.6bn
Capital and securities
The CET1 ratio of Horizon Bank, SSB stood at 11.99% in , -0.90 pp year on year. Low and high at Horizon Bank, SSB since : 9.66% () to 14.18% (). Equity capital of Horizon Bank, SSB at : $204.3 mn, or 8.0% of total assets. Horizon Bank, SSB also reported a total capital ratio of 13.24% for , and a tier 1 leverage ratio of 8.95%.
On held-to-maturity securities, Horizon Bank, SSB carried an unrealized loss of $70.6 mn at , equal to 34.6% of equity capital. The loss narrowed by $15.7 mn over the year. Its deepest point: $92.0 mn in . The available-for-sale portfolio of Horizon Bank, SSB showed an unrealized loss of $24.0 mn at ; the loss narrowed by $4.2 mn over the year.
Horizon Bank, SSB: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.0%
Horizon Bank, SSB: unrealized securities gains and losses
- Available for sale -$24mn
- Held to maturity -$71mn
Profitability and loan quality
For the year to , Horizon Bank, SSB earned a return on equity of 20.71%; return on assets: 1.74%. Net interest margin at Horizon Bank, SSB: 4.08%, +0.49 pp in a year. Horizon Bank, SSB net income: $21.3 mn, up 7.1% year on year. The efficiency ratio of Horizon Bank, SSB was 52.57%: about 53 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at Horizon Bank, SSB; net charge-offs: 0.02% of average loans. Gross loans and leases at Horizon Bank, SSB: $1.6 bn, up 6.1% in a year.
Horizon Bank, SSB: profitability
- Return on equity 21%
- Net interest margin 4.1%
- Return on assets 1.7%
Peer group of Horizon Bank, SSB
The peer group of Horizon Bank, SSB is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Horizon Bank, SSB (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, Horizon Bank, SSB shows CET1 ratio 11.99% against a peer median of 12.39%, return on equity 20.71% against a peer median of 12.12% and uninsured deposit share 50.64% against a peer median of 36.51%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Cornerstone Bank | State member bank | MA | $2.6 bn | 11.84% | 6.96% | 27.38% | |
| United Business Bank | State member bank | CA | $2.6 bn | 13.76% | 0.93% | 46.48% | |
| Schaumburg Bank & Trust Company | National bank | IL | $2.6 bn | 11.07% | 17.97% | 33.69% | |
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.6 bn | 11.99% | 20.71% | 50.64% | |
| Community National Bank | National bank | TX | $2.5 bn | 17.14% | 16.91% | 48.60% | |
| American National Bank & Trust | National bank | TX | $2.5 bn | 12.66% | 9.72% | 39.33% | |
| Bank Five Nine | State nonmember bank | WI | $2.5 bn | 12.13% | 14.51% | 14.76% | |
. FDIC Call Reports.
Last eight quarters
Two years at Horizon Bank, SSB, to : assets +8.4%, deposits +5.2%, equity +0.3%. Staff 206 to 238.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.5 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.3 bn | $2.4 bn | $2.6 bn |
| Total deposits | $2.1 bn | $2.2 bn | $2.1 bn | $2.0 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn |
| Bank equity capital | $203.7 mn | $199.8 mn | $205.4 mn | $204.6 mn | $210.7 mn | $208.0 mn | $203.8 mn | $204.3 mn |
| CET1 ratio | 12.70% | 12.72% | 12.89% | 12.89% | 12.88% | 12.51% | 12.03% | 11.99% |
| Return on equity (ROE) | 17.67% | 17.36% | 19.56% | 19.54% | 19.22% | 19.46% | 20.45% | 20.71% |
| Uninsured share of domestic deposits | 51.74% | 54.90% | 48.44% | 48.68% | 49.67% | 51.03% | 49.72% | 50.64% |
| Full-time equivalent employees | 206 | 211 | 209 | 215 | 214 | 220 | 228 | 238 |
| Number of offices | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Horizon Bank, SSB appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Horizon Bank, SSB?
Horizon Bank, SSB reported $2.6 bn at in its Call Report. That makes Horizon Bank, SSB the 490th largest of 497 banks in our US coverage.
Is Horizon Bank, SSB the same as its holding company?
No. This page covers Horizon Bank, SSB, FDIC certificate 3256; FRONTIER BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Horizon Bank, SSB profitable?
Horizon Bank, SSB reported net income of $21.3 mn for the year to ; annualized return on equity: 20.71%. So yes: Horizon Bank, SSB made a profit over these months.
When is data for Horizon Bank, SSB next updated?
Figures from Horizon Bank, SSB for are due after .
Where can I check the figures for Horizon Bank, SSB?
In the FDIC BankFind Suite record for certificate 3256, and in the Call Reports of Horizon Bank, SSB (RSSD ID 703552) at the FFIEC Central Data Repository.