BlastPoint's Banking Scorecard
Horizon Bank
Mid-Market
Specialty: Commercial
IN
FDIC cert 4360
Michigan City, IN
201
banks in Mid-Market tier nationally
10 in IN
View Mid-Market leaderboard (IN) →
Horizon Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6% in Mid-Market
- - Capital Constraint: Bottom 12% in Mid-Market
- - Deposit Outflow: Bottom 31% in Mid-Market
- - Return on Assets 3.12% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.4B
-17.5% YoY
-4.2% QoQ
|
-$4.0B |
$10.5B
+2.9% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$4.8B
-0.6% YoY
+1.2% QoQ
|
-$2.3B |
$7.1B
+4.5% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$5.4B
-5.7% YoY
-5.4% QoQ
|
-$3.2B |
$8.5B
+3.0% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
-1.96%
-432.7% YoY
+36.3% QoQ
|
-3.12% |
1.16%
+9.4% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.62%
+33.4% YoY
+7.0% QoQ
|
+0.22% |
3.40%
+7.9% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
58.87%
-6.2% YoY
-5.8% QoQ
|
+2.27% |
56.60%
-3.2% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.72%
+30.4% YoY
+11.5% QoQ
|
+0.04% |
0.68%
+12.0% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
90.32%
+5.4% YoY
+7.0% QoQ
|
+4.85% |
85.47%
+1.1% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
21.60%
+7.5% YoY
-2.9% QoQ
|
+0.96% |
20.64%
-0.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.56%
+59.9% YoY
+16.3% QoQ
|
+0.06% |
0.50%
+7.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
11.99%
+2.5% YoY
+2.1% QoQ
|
-1.56% |
13.55%
+1.8% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.67%
+23.2% YoY
+42.5% QoQ
|
-0.29% |
0.96%
+7.1% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#6 of 80 · Bottom 6% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.32%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Constraint
risk
#2 of 9 · Bottom 12% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
90.32%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.99%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
Deposit Outflow
decline
#11 of 33 · Bottom 31% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
-1.96%
(Tier avg: 1.16%, National avg: 1.12%)
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
62
62th pctile
Loan-to-Deposit Ratio
Current: 90.32% · Tier avg: 85.47%
57
57th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.40%
51
51th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.96%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.60% · Tier avg: 20.64%
41
41th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.68%
39
39th pctile
Efficiency Ratio
Current: 58.87% · Tier avg: 56.60%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
34
34th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
32
32th pctile
Tier 1 Capital Ratio
Current: 11.99% · Tier avg: 13.55%
27
27th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
25
25th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
0
0th pctile
Return on Assets
Current: -1.96% · Tier avg: 1.16%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -1.96% · Tier avg: 1.16%
25
25th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
27
27th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
32
32th pctile
Tier 1 Capital Ratio
Current: 11.99% · Tier avg: 13.55%
34
34th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
39
39th pctile
Efficiency Ratio
Current: 58.87% · Tier avg: 56.60%
41
41th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.68%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.60% · Tier avg: 20.64%
51
51th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.96%
57
57th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.40%
62
62th pctile
Loan-to-Deposit Ratio
Current: 90.32% · Tier avg: 85.47%