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Horicon Bank

$1B-$10B Specialty: Commercial WI FDIC cert 11236

Designations: ✓ Community bank

Horicon, WI

19 branches across WI

884 banks in the $1B-$10B peer group nationally 28 in WI
View $1B-$10B leaderboard (WI) →

Horicon Bank has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.33% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 47.0% in tier
  • - Delinquency Rate 0.09% above tier average
Get updates when Horicon Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $1.7B
+9.0% YoY +5.6% QoQ
-$1.1B $2.8B
-0.1% YoY
$1.1B
+10.1% YoY
$6.2B
+9.1% YoY
42%
Total Loans ? $1.3B
+9.5% YoY +1.4% QoQ
-$615.4M $2.0B
+0.6% YoY
$816.7M
+9.9% YoY
$3.2B
+10.8% YoY
50%
Total Deposits ? $1.4B
+6.2% YoY +3.7% QoQ
-$899.5M $2.3B
-0.3% YoY
$905.4M
+9.0% YoY
$4.8B
+8.2% YoY
44%
Return on Assets ? 1.34%
+14.9% QoQ
-0.03% 1.37%
+19.6% YoY
1.50%
+15.4% YoY
1.23%
+13.4% YoY
60%
Net Interest Margin ? 4.14%
+7.0% YoY +1.0% QoQ
+0.33% 3.82%
+6.9% YoY
3.77%
+9.2% YoY
3.89%
+5.7% YoY
78%
Efficiency Ratio ? 61.07%
-4.9% YoY -5.2% QoQ
+0.01% 61.06%
-4.6% YoY
64.74%
-4.5% YoY
66.95%
-4.1% YoY
46%
Delinquency Rate ? 0.97%
+35.8% YoY +24.8% QoQ
+0.09% 0.89%
+14.1% YoY
0.87%
+31.3% YoY
0.95%
+18.8% YoY
28%
Loan-to-Deposit Ratio ? 93.47%
+3.1% YoY -2.2% QoQ
+9.26% 84.20%
+0.3% YoY
86.53%
+1.6% YoY
76.70%
+0.9% YoY
28%
Non-Interest-Bearing Deposit Share ? 25.53%
+8.3% YoY +5.1% QoQ
+4.25% 21.29%
-2.5% YoY
18.27%
-0.8% YoY
22.01%
-1.2% YoY
73%
Nonperforming Asset Ratio ? 0.78%
+36.5% YoY +19.8% QoQ
+0.11% 0.67%
+15.6% YoY
0.63%
+35.0% YoY
0.67%
+19.3% YoY
28%
Tier 1 Capital Ratio ? 10.71%
+2.5% YoY -0.3% QoQ
-4.45% 15.16%
+2.0% YoY
14.74%
+0.5% YoY
17.06%
+0.8% YoY
Bottom 12.3% in tier
Non-Interest Income / Assets ? 0.14%
+9.8% YoY -73.7% QoQ
-0.12% 0.26%
+1.6% YoY
1.15%
+12.5% YoY
0.32%
+4.1% YoY
48%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#158 of 334 • Bottom 47.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.47%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

197
Net Interest Margin
profitability
Value: 4.14%
Peer Median: 3.82%
#197 of 884 Top 22.2% in $1B-$10B

Top Weaknesses (1 metrics)

776
Tier 1 Capital Ratio
capital
Value: 10.71%
Peer Median: 15.16%
#776 of 884 Bottom 12.3% in $1B-$10B
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