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Horizon Bank, SSB
Austin, TX · FDIC Certificate #3256 · Chartered 01/0
Total assets
$2.55B
Total deposits
$2.21B
Total equity
$204.26M
Net loans
$1.61B
Branches (offices)
5
Net income (YTD)
$21.26M
Rank: #496 of 4,213 U.S. banks by assets · #43 of 346 in Texas. Assets changed 7.6% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 20.71% |
| Net interest margin (YTD) | 4.08% |
| Equity to assets | 8.00% |
| Tier 1 leverage ratio | 8.95% |
| Uninsured deposits (share of deposits) | 50.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 72.7% |
| Real estate loans (share of loans) | 80.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.30B | 80.8% | |
| Commercial & industrial | $289.31M | 18.0% | |
| Consumer / individual | $843.00K | 0.1% | |
| Construction & development | $126.32M | 7.9% | |
| Agricultural | $351.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.42B | $2.23B | $19.55M | $158.20M |
| Jun 2023 | $2.58B | $2.18B | $17.52M | $177.44M |
| Jun 2024 | $2.37B | $2.05B | $16.18M | $191.83M |
| Jun 2025 | $2.37B | $2.04B | $19.86M | $204.62M |
| Jun 2026 | $2.55B | $2.21B | $21.26M | $204.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.21B | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.21B.
Similar-sized banks
Schaumburg Bank & Trust Company, National Association ($2.56B) · Community National Bank ($2.54B)
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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