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Horizon Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ +4

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

Quarterly Headline

2025-Q3

Bank #663955 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.67% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +29

The five pillars

Liquidity

StableQoQ -7
71
Sub-score

Liquidity is stable: brokered 10.4%, loans/deposits 96.6%, cash 5.9% of assets.

Cash / Assets
5.94%
Loans / Deposits
96.57%
Brokered %
10.42%
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
0.45%
No watch items at this period.

Capitalization

StrongQoQ -2
94
Sub-score

Capital position is strong: Tier 1 RBC 13.84%, CET1 13.84%, leverage 14.44%.

Tier 1 RBC
13.84%
CET1
13.84%
Leverage
14.44%
No watch items at this period.

Asset Quality

StrongQoQ +5
97
Sub-score

Asset quality is strong: Adjusted NPL 0.58%, Texas Ratio 3.1%, NCO YTD 0.23%.

Adjusted NPL
0.58%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.23%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +29
54
Sub-score

Reserves are deteriorating: ALLL 0.67% of loans, coverage 116.2%, true coverage 116.2%.

ALLL / Loans
0.67%
Coverage
116.2%
True Loss Coverage
116.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.67% of loans.

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