BlastPoint's Banking Scorecard
Horizon Bank
Community
Specialty: Commercial
NE
FDIC cert 14327
Waverly, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Horizon Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 9% in Community
- + Net Interest Margin 1.69% above tier
- + Efficiency Ratio 30.96% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.97% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$511.1M
+11.3% YoY
-0.2% QoQ
|
-$880.3M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$403.2M
+10.4% YoY
-1.4% QoQ
|
-$572.3M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$424.1M
+11.9% YoY
+0.2% QoQ
|
-$740.5M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
2.67%
+16.3% YoY
-3.2% QoQ
|
+1.51% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.35%
+14.0% YoY
+0.9% QoQ
|
+1.69% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
31.67%
-5.1% YoY
-1.8% QoQ
|
-30.96% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.74%
-44.6% YoY
+28.9% QoQ
|
+0.12% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
95.07%
-1.4% YoY
-1.6% QoQ
|
+12.01% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
7.08%
-3.8% YoY
+10.4% QoQ
|
-13.97% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.74%
-47.4% YoY
+20.4% QoQ
|
+0.25% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
13.63%
+0.8% YoY
-0.9% QoQ
|
+3.38% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
-0.13%
-63.8% YoY
-33.4% QoQ
|
-0.87% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#35 of 371 · Top 9% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.67%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 3%
in Community
Why this stands out
Current:
5.35%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.67%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
7.08%
(Tier avg: 21.05%, National avg: 21.79%)
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
99
99th pctile
Efficiency Ratio
Current: 31.67% · Tier avg: 62.63%
98
98th pctile
Return on Assets
Current: 2.67% · Tier avg: 1.16%
97
97th pctile
Net Interest Margin
Current: 5.35% · Tier avg: 3.66%
77
77th pctile
Loan-to-Deposit Ratio
Current: 95.07% · Tier avg: 83.06%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 10.24%
34
34th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.63%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.50%
15
15th pctile
Total Loans
Current: $403.2M · Tier avg: $975.5M
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 7.08% · Tier avg: 21.05%
2
2th pctile
Total Deposits
Current: $424.1M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $511.1M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $511.1M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $424.1M · Tier avg: $1.2B
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 7.08% · Tier avg: 21.05%
15
15th pctile
Total Loans
Current: $403.2M · Tier avg: $975.5M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.63%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 10.24%
77
77th pctile
Loan-to-Deposit Ratio
Current: 95.07% · Tier avg: 83.06%
97
97th pctile
Net Interest Margin
Current: 5.35% · Tier avg: 3.66%
98
98th pctile
Return on Assets
Current: 2.67% · Tier avg: 1.16%
99
99th pctile
Efficiency Ratio
Current: 31.67% · Tier avg: 62.63%