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Horizon Bank

IDRSSD: 663955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 663955 held $539.2M in total assets as of 2026-03-31 (+5.5% quarter-over-quarter). Total loans stood at $411.4M (+2.0% QoQ) and total deposits at $445.8M (+5.1% QoQ).

Overall position is adequate — the composite Health Score is 56/100 (Adequate). Tier 1 / RWA stands at 14.34%, in the above median of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
56/100
Adequate
Active Alerts
1
1 critical, 0 warning
Total Assets
$539.2M
+5.5% QoQ
Total Loans
$411.4M
+2.0% QoQ
Total Deposits
$445.8M
+5.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.34%
50th pctile · n=306↑ better
+72 bp QoQ
CET1 / RWA
14.34%
70th pctile · n=500↑ better
+71 bp QoQ
Total RBC / RWA
15.06%
45th pctile · n=306↑ better
+71 bp QoQ
Tier 1 Leverage Ratio
14.34%
70th pctile · n=500↑ better
+71 bp QoQ

Liquidity

Cash / Assets
10.76%
73th pctile · n=500↑ better
+272 bp QoQ
Loans / Deposits
92.30%
77th pctile · n=500↓ better
-277 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.45%
53th pctile · n=500↓ better
-29 bp QoQ
NPA / Assets
0.49%
63th pctile · n=500↓ better
-26 bp QoQ
Texas Ratio (regulatory)
3.39%
57th pctile · n=500↓ better
-179 bp QoQ
Net Charge-Offs / Avg Loans
0.10%
84th pctile · n=500↓ better
ALLL Coverage of NPL
197.54%
48th pctile · n=500↑ better
+7411 bp QoQ

Earnings

Net Interest Margin
5.02%
95th pctile · n=500↑ better
-41 bp QoQ
Return on Assets
2.87%
97th pctile · n=500↑ better
+48 bp QoQ
Return on Equity
19.24%
87th pctile · n=500↑ better
+337 bp QoQ
Efficiency Ratio
26.84%
0th pctile · n=500↓ better
-326 bp QoQ
Pre-tax NOI / Avg Assets
3.29%
98th pctile · n=500↑ better
+65 bp QoQ

Funding

Brokered / Deposits
9.86%
88th pctile · n=500↓ better
-55 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
19th pctile · n=500↓ better
-28 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
6.91%
19th pctile · n=500↑ better
-42 bp QoQ
AFS Securities / Assets
6.91%
23th pctile · n=500↑ better
-42 bp QoQ
HTM Securities / Assets
0.00%
32th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 19:12:04 UTC