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Horizon Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-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

2024-Q4

Bank #663955 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +14

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 15.0%, loans/deposits 96.4%, cash 4.5% of assets.

Cash / Assets
4.46%
Loans / Deposits
96.38%
Brokered %
14.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.49%
No watch items at this period.

Capitalization

StrongQoQ -3
92
Sub-score

Capital position is strong: Tier 1 RBC 13.61%, CET1 13.61%, leverage 13.75%.

Tier 1 RBC
13.61%
CET1
13.61%
Leverage
13.75%
No watch items at this period.

Asset Quality

StrongQoQ -2
92
Sub-score

Asset quality is strong: Adjusted NPL 1.34%, Texas Ratio 7.4%, NCO YTD 0.16%.

Adjusted NPL
1.34%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.16%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +14
23
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 56.9%, true coverage 56.9%.

ALLL / Loans
0.76%
Coverage
56.9%
True Loss Coverage
56.9%
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: 2026-05-14 19:11:43 UTC