Horizon Financial Bank
Munich, ND
IDRSSD: 877350
Total Assets
$206.01M
Latest filing
Total Deposits
$176.83M
Latest filing
Net Interest Margin
4.00%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091302762MUNICH, ND
Key People
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Locations
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Main Office
Horizon Financial Bank
416 Main St
Munich, ND 58352
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 9884
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Horizon Financial Bank (Main) | 416 Main St | Munich, ND |
| OSNABROCK BRANCH | 329 Broadway | Osnabrock, ND |
| DEVILS LAKE BRANCH | 205 Highway 2 W | Devils Lake, ND |
| BISMARK BRANCH | 1207 W Divide Ave | Bismarck, ND |
| LANGDON BRANCH | 102 9th Ave E | Langdon, ND |
Showing 4 of 4
Quarterly Trends
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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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58352 |
| State and County Number | 38019 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 05/02/1938 |
| Primary Insurance Agency | DIF |
| Website | http://www.HorizonFinancialBank.com |
| Data Updated | 01/30/2026 |
| CERT | 15598 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $206.01M |
| Total Deposits | $176.83M |
| Total Liabilities | $183.60M |
| Total Equity Capital | $22.41M |
| Net Income | $653.00k |
| Net Loans and Leases | $157.05M |
| Assets Per Employee ($Millions) | $6.44M |
| Bank Premises and Fixed Assets | $6.58M |
| Cash and Balances due from Depository Institutions | $4.93M |
| Deposits Held in Domestic Offices | $176.83M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 11.86% |
| Net Interest Margin | 4% |
| Efficiency Ratio | 56.05% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.878% |
| Earning Assets to total Assets | 91.32% |
Income and Expense
| Total Interest Income | $2.81M |
| Total Noninterest Income | $104.00k |
| Total Interest Expense | $962.00k |
| Total Noninterest Expense | $1.09M |
| Net Interest Income | $1.85M |
| Pre-tax Net Operating Income | $827.00k |
| Provision for Credit Losses | $30.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $5.53M |
| All Other Liabilities | $1.24M |
| Total Liabilities and Capital | $206.01M |
Securities
| Securities | $27.67M |
| Available-for-sale debt securities | $27.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Horizon Financial Bank?
$206.01M as of the latest filing.
How much are Horizon Financial Bank's total deposits?
$176.83M in total deposits.
Where is Horizon Financial Bank located?
Munich, ND.
What is the Net Interest Margin?
4.00%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$157.05M (latest filing).
What is the total interest income (latest filing)?
$2.81M.