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Horicon Bank
Horicon, WI · FDIC Certificate #11236 · Chartered 09/0
Total assets
$1.65B
Total deposits
$1.42B
Total equity
$170.19M
Net loans
$1.36B
Branches (offices)
19
Net income (YTD)
$11.61M
Rank: #681 of 4,213 U.S. banks by assets · #18 of 153 in Wisconsin. Assets changed 7.9% and deposits 5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 13.80% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 10.29% |
| Tier 1 leverage ratio | 9.72% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.93% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 95.5% |
| Real estate loans (share of loans) | 81.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.11B | 81.7% | |
| Commercial & industrial | $171.64M | 12.7% | |
| Consumer / individual | $4.44M | 0.3% | |
| Construction & development | $106.67M | 7.9% | |
| Agricultural | $46.57M | 3.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.21B | $1.11B | $4.89M | $97.26M |
| Jun 2023 | $1.25B | $1.08B | $4.31M | $97.06M |
| Jun 2024 | $1.53B | $1.33B | $5.38M | $145.86M |
| Jun 2025 | $1.53B | $1.35B | $8.04M | $158.42M |
| Jun 2026 | $1.65B | $1.42B | $11.61M | $170.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $1.42B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.42B.
Similar-sized banks
Community Bank ($1.66B) · Benchmark Bank ($1.65B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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