Horizon Bank, SSB
Austin, TX
IDRSSD: 703552
Total Assets
$2.38B
Latest filing
Total Deposits
$2.09B
Latest filing
Net Interest Margin
3.82%
Profitability
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 11/14/2025Established 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 | 215 |
| 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 | 11/14/2025 |
| CERT | 3256 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.38B |
| Total Deposits | $2.09B |
| Total Liabilities | $2.17B |
| Total Equity Capital | $210.67M |
| Net Income | $9.72M |
| Net Loans and Leases | $1.54B |
| Assets Per Employee ($Millions) | $11.11M |
| Bank Premises and Fixed Assets | $82.72M |
| Cash and Balances due from Depository Institutions | $129.21M |
| Deposits Held in Domestic Offices | $2.09B |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 18.73% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 51.88% |
| Tier 1 Risk-Based Capital Ratio | 12.878% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.86% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $30.96M |
| Total Noninterest Income | $4.28M |
| Total Interest Expense | $9.72M |
| Total Noninterest Expense | $13.24M |
| Net Interest Income | $21.24M |
| Pre-tax Net Operating Income | $12.18M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $31.85M |
| Total Liabilities and Capital | $2.38B |
Securities
| Securities | $564.85M |
| Available-for-sale debt securities | $204.33M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $360.77M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Horizon Bank, SSB?
$2.38B as of the latest filing.
How much are Horizon Bank, SSB's total deposits?
$2.09B in total deposits.
Where is Horizon Bank, SSB located?
Austin, TX.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$1.54B (latest filing).
What is the total interest income (latest filing)?
$30.96M.