BlastPoint's Banking Scorecard
Horizon Bank, SSB
Community
Specialty: Commercial
TX
FDIC cert 3256
Austin, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Horizon Bank, SSB has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
-5.2% YoY
-1.3% QoQ
|
+$956.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$1.6B
+4.2% YoY
+1.6% QoQ
|
+$587.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$2.1B
-8.1% YoY
-1.1% QoQ
|
+$898.4M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.67%
+17.8% YoY
+2.0% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.82%
+8.3% YoY
+4.4% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
51.52%
-2.4% YoY
+1.3% QoQ
|
-11.12% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.74%
+13.3% YoY
+2.7% QoQ
|
-7.33% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
31.05%
-20.9% YoY
+0.8% QoQ
|
+10.00% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.51%
-1.7% YoY
-2.9% QoQ
|
+2.26% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.74%
+12.1% YoY
+36.2% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Deposit Outflow
decline
#2 of 248 · Bottom 1% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.05% · Tier avg: 21.05%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
81
81th pctile
Efficiency Ratio
Current: 51.52% · Tier avg: 62.63%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.74% · Tier avg: 83.06%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.51% · Tier avg: 10.24%
Top Weaknesses
52
52th pctile
Tier 1 Capital Ratio
Current: 12.51% · Tier avg: 10.24%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.74% · Tier avg: 83.06%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
81
81th pctile
Efficiency Ratio
Current: 51.52% · Tier avg: 62.63%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
85
85th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.05% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%