Horizon Bank
Waverly, NE
IDRSSD: 663955
Total Assets
$539.17M
Latest filing
Total Deposits
$445.77M
Latest filing
Net Interest Margin
5.02%
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 04/10/2026Established 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 | 04/10/2026 |
| CERT | 14327 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $539.17M |
| Total Deposits | $445.77M |
| Total Liabilities | $458.83M |
| Total Equity Capital | $80.34M |
| Net Income | $3.76M |
| Net Loans and Leases | $411.43M |
| Assets Per Employee ($Millions) | $16.85M |
| Bank Premises and Fixed Assets | $2.88M |
| Cash and Balances due from Depository Institutions | $58.01M |
| Deposits Held in Domestic Offices | $445.77M |
Key Performance Ratios
| Return on Assets (ROA) | 2.87% |
| Return on Equity (ROE) | 19.24% |
| Net Interest Margin | 5.02% |
| Efficiency Ratio | 26.84% |
| Tier 1 Risk-Based Capital Ratio | 14.343% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.901% |
| Earning Assets to total Assets | 93.66% |
Income and Expense
| Total Interest Income | $7.91M |
| Total Noninterest Income | $-8,000 |
| Total Interest Expense | $1.73M |
| Total Noninterest Expense | $1.77M |
| Net Interest Income | $6.18M |
| Pre-tax Net Operating Income | $4.31M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $767.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.06M |
| Total Liabilities and Capital | $539.17M |
Securities
| Securities | $37.23M |
| Available-for-sale debt securities | $37.23M |
| 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?
$539.17M as of the latest filing.
How much are Horizon Bank's total deposits?
$445.77M in total deposits.
Where is Horizon Bank located?
Waverly, NE.
What is the Net Interest Margin?
5.02%.
How many domestic offices does it operate?
5.
When was it established?
02/18/1907.
What is the Return on Assets (ROA)?
2.87%.
How much are total loans and leases?
$411.43M (latest filing).
What is the total interest income (latest filing)?
$7.91M.