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Horizon Bank

IDRSSD: 130541
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q4QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #130541 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.12% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -14
69
Sub-score

Liquidity is stable: brokered 5.2%, loans/deposits 90.3%, cash 2.1% of assets.

Cash / Assets
2.12%
Loans / Deposits
90.32%
Brokered %
5.22%

Watch Items

  • infoCash / Assets below 3% — Cash 2.12% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +8
77
Sub-score

Capital position is stable: Tier 1 RBC 12.00%, CET1 12.00%, leverage 9.70%.

Tier 1 RBC
12.00%
CET1
12.00%
Leverage
9.70%
No watch items at this period.

Asset Quality

StrongQoQ -1
96
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 5.1%, NCO YTD 0.08%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.08%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -3
73
Sub-score

Reserves are stable: ALLL 1.05% of loans, coverage 146.8%, true coverage 103.6%.

ALLL / Loans
1.05%
Coverage
146.8%
True Loss Coverage
103.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:47:47 UTC