Horizon Bank, SSB
Austin, TX
IDRSSD: 703552
Total Assets
$2.35B
Latest filing
Total Deposits
$2.06B
Latest filing
Net Interest Margin
4.31%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Horizon Bank, SSB
600 West 5th Street
Austin, TX 78701
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 2104
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Horizon Bank, SSB (Main) | 600 West 5th Street | Austin, TX |
| HOLLAND BRANCH | 200 W Travis | Holland, TX |
| MESSENGER SERVICE | 600 Congress Ave | Austin, TX |
| SALADO BRANCH | 815 N Stagecoach Rd | Salado, TX |
| TECHNOLOGY BOULEVARD BRANCH | 12007 Technology Blvd | Austin, TX |
| TEMPLE BRANCH | 9369 Tarver Dr | Temple, TX |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78701 |
| State and County Number | 48453 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Austin-Round Rock-Georgetown, TX |
Operational Info
| Number of Employees | 214 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/18/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.horizon.bank |
| Data Updated | 01/30/2026 |
| CERT | 3256 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.35B |
| Total Deposits | $2.06B |
| Total Liabilities | $2.14B |
| Total Equity Capital | $208.01M |
| Net Income | $10.45M |
| Net Loans and Leases | $1.56B |
| Assets Per Employee ($Millions) | $10.67M |
| Bank Premises and Fixed Assets | $81.47M |
| Cash and Balances due from Depository Institutions | $91.67M |
| Deposits Held in Domestic Offices | $2.06B |
Key Performance Ratios
| Return on Assets (ROA) | 1.77% |
| Return on Equity (ROE) | 19.97% |
| Net Interest Margin | 4.31% |
| Efficiency Ratio | 53.31% |
| Tier 1 Risk-Based Capital Ratio | 12.506% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.86% |
| Earning Assets to total Assets | 93.7% |
Income and Expense
| Total Interest Income | $32.50M |
| Total Noninterest Income | $4.44M |
| Total Interest Expense | $8.66M |
| Total Noninterest Expense | $15.08M |
| Net Interest Income | $23.84M |
| Pre-tax Net Operating Income | $13.01M |
| Provision for Credit Losses | $201.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $50.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $26.81M |
| Total Liabilities and Capital | $2.35B |
Securities
| Securities | $552.71M |
| Available-for-sale debt securities | $196.67M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $356.29M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Horizon Bank, SSB?
$2.35B as of the latest filing.
How much are Horizon Bank, SSB's total deposits?
$2.06B in total deposits.
Where is Horizon Bank, SSB located?
Austin, TX.
What is the Net Interest Margin?
4.31%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.77%.
How much are total loans and leases?
$1.56B (latest filing).
What is the total interest income (latest filing)?
$32.50M.