BlastPoint's Banking Scorecard
Horicon Bank
Community
Specialty: Commercial
WI
FDIC cert 11236
Horicon, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Horicon Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36% in Community
- - Liquidity Strain: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+0.5% YoY
+0.9% QoQ
|
+$194.9M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.3B
+7.9% YoY
+2.2% QoQ
|
+$355.1M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.4B
+1.7% YoY
+0.7% QoQ
|
+$227.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.17%
+30.8% YoY
+4.6% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
4.10%
+13.7% YoY
+1.7% QoQ
|
+0.44% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
64.40%
-7.7% YoY
-0.5% QoQ
|
+1.77% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.78%
+14.8% YoY
-3.4% QoQ
|
+0.15% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
95.58%
+6.1% YoY
+1.5% QoQ
|
+12.52% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
24.31%
-2.9% YoY
-0.5% QoQ
|
+3.26% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.65%
+23.3% YoY
-2.1% QoQ
|
+0.16% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
10.75%
+1.6% YoY
+1.5% QoQ
|
+0.50% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.52%
+11.1% YoY
+34.8% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#230 of 642 · Bottom 36% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#243 of 513 · Bottom 47% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.58%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.31% · Tier avg: 21.05%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
43
43th pctile
Efficiency Ratio
Current: 64.40% · Tier avg: 62.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.75% · Tier avg: 10.24%
33
33th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.58% · Tier avg: 83.06%
Top Weaknesses
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.58% · Tier avg: 83.06%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
33
33th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.75% · Tier avg: 10.24%
43
43th pctile
Efficiency Ratio
Current: 64.40% · Tier avg: 62.63%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.31% · Tier avg: 21.05%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M