Horizon Bank
Waverly, NE
IDRSSD: 663955
Total Assets
$511.11M
Latest filing
Total Deposits
$424.11M
Latest filing
Net Interest Margin
5.43%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104905784WAVERLY, NE
Key People
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Locations
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Main Office
Horizon Bank
10841 N 142nd St
Waverly, NE 68462
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/18/1907FDIC Certificate 8951
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Horizon Bank (Main) | 10841 N 142nd St | Waverly, NE |
| SPRINGFIELD BRANCH | 600 Main St | Springfield, NE |
| WAVERLY BRANCH | 10440 N 140th St | Waverly, NE |
| MCCOOK BRANCH | 312 W 1st St | Mccook, NE |
| SUPERIOR BRANCH | 328 N Central Ave | Superior, NE |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/18/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68462 |
| State and County Number | 31109 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Lincoln, NE |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 05/07/1934 |
| Primary Insurance Agency | DIF |
| Website | www.horizonbankne.com |
| Data Updated | 01/30/2026 |
| CERT | 14327 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $511.11M |
| Total Deposits | $424.11M |
| Total Liabilities | $435.00M |
| Total Equity Capital | $76.11M |
| Net Income | $3.06M |
| Net Loans and Leases | $403.19M |
| Assets Per Employee ($Millions) | $16.49M |
| Bank Premises and Fixed Assets | $2.91M |
| Cash and Balances due from Depository Institutions | $41.09M |
| Deposits Held in Domestic Offices | $424.11M |
Key Performance Ratios
| Return on Assets (ROA) | 2.39% |
| Return on Equity (ROE) | 15.87% |
| Net Interest Margin | 5.43% |
| Efficiency Ratio | 30.1% |
| Tier 1 Risk-Based Capital Ratio | 13.625% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.75% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.89% |
| Earning Assets to total Assets | 93.97% |
Income and Expense
| Total Interest Income | $8.23M |
| Total Noninterest Income | $-162,000 |
| Total Interest Expense | $1.72M |
| Total Noninterest Expense | $2.02M |
| Net Interest Income | $6.51M |
| Pre-tax Net Operating Income | $3.36M |
| Provision for Credit Losses | $960.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $804.00k |
| Other borrowed funds | $1.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.69M |
| Total Liabilities and Capital | $511.11M |
Securities
| Securities | $37.43M |
| Available-for-sale debt securities | $37.43M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Horizon Bank?
$511.11M as of the latest filing.
How much are Horizon Bank's total deposits?
$424.11M in total deposits.
Where is Horizon Bank located?
Waverly, NE.
What is the Net Interest Margin?
5.43%.
How many domestic offices does it operate?
5.
When was it established?
02/18/1907.
What is the Return on Assets (ROA)?
2.39%.
How much are total loans and leases?
$403.19M (latest filing).
What is the total interest income (latest filing)?
$8.23M.