BlastPoint's Banking Scorecard

Horicon Bank

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

Designations: ✓ Community bank

Horicon, WI

19 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
Deposits +5.4% year over year ($1.4B on the books).
Delinquency rate 0.94%.
Return on assets 1.42%.
Efficiency ratio 60.29% vs a 59.73% peer average.
Loan-to-deposit ratio 95.47% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI

View $1B-$10B leaderboard (WI) →

Horicon Bank has 1 strength but faces 3 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 0.35% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 25.1% in tier
- Liquidity Strain: Bottom 36.6% in tier
- Efficiency Ratio 0.56% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.7B +7.9% YoY -1.3% QoQ	-$1.1B	$2.8B -0.6% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	41%
Total Loans ?	$1.4B +6.1% YoY +0.5% QoQ	-$607.6M	$2.0B -0.3% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$1.4B +5.4% YoY -1.6% QoQ	-$898.8M	$2.3B -0.5% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	1.42% +36.7% YoY +5.8% QoQ	+0.03%	1.39% +17.0% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	4.22% +6.3% YoY +1.8% QoQ	+0.35%	3.87% +6.2% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	60.29% -6.3% YoY -1.3% QoQ	+0.56%	59.73% -12.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	47%
Delinquency Rate ?	0.94% +9.5% YoY -3.1% QoQ	+0.08%	0.87% +11.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	95.47% +0.7% YoY +2.1% QoQ	+10.43%	85.04% -0.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	24.37% +4.4% YoY -4.6% QoQ	+3.10%	21.27% -1.5% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	69%
Nonperforming Asset Ratio ?	0.77% +7.7% YoY -1.4% QoQ	+0.10%	0.67% +11.7% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	10.81% +3.0% YoY +1.0% QoQ	-4.03%	14.84% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.27% +7.4% YoY +99.1% QoQ	-0.26%	0.53% +2.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	46%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	24.4% +1.0pp YoY -1.2pp QoQ	+3.0pp	21.4%	18.9%	22.2%	69%
Brokered Deposits	n/a	n/a	9.5%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	12.7% +0.2pp YoY +0.2pp QoQ	-1.3pp	14.0%	10.5%	12.5%	58%
CRE	50.4% +0.5pp YoY -0.2pp QoQ	+0.4pp	50.0%	46.4%	41.4%	52%
1-4 Family	22.7% +0.1pp YoY +0.3pp QoQ	-3.7pp	26.4%	32.3%	31.3%	49%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-4.4pp	4.7%	2.6%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	10.8% +0.3pp YoY +0.1pp QoQ	-4.8pp	15.6%	15.5%	19.7%	7%
Leverage Ratio	9.7% +0.1pp YoY -0.1pp QoQ	-1.6pp	11.3%	12.6%	12.6%	29%
Total Capital Ratio	12.1% +0.5pp YoY +0.1pp QoQ	-4.6pp	16.7%	16.6%	20.8%	9%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	222 0 YoY -1 (-0.4%) QoQ	-92	313	134	482	46%
Assets per Employee ($)	$7.4M +7.9% YoY -0.9% QoQ	-$3.0M	$10.5M	$8.2M	$8.8M	29%
Branch Count	19 0 YoY 0 QoQ	-1	20	9	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.4%	0.4%	24%
Nonaccrual	0.9% +0.1pp YoY 0.0pp QoQ	+0.1pp	0.8%	0.9%	1.0%	72%
Allowance Coverage	1.40x +6.6% YoY +8.1% QoQ	-17.31x	18.71x	56.89x	20.23x	36%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.0%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	13.8% +3.4pp YoY +0.7pp QoQ	+1.2pp	12.6%	11.8%	11.6%	64%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.8%	1.7%	28%
Net Income ($, YTD)	$11.6M +44.5% YoY — QoQ	-$7.6M	$19.2M	$7.9M	$40.4M	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Credit Risk Growth

risk

#102 of 402 • Bottom 25.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#133 of 361 • Bottom 36.6% 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: 95.47%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

192

Net Interest Margin

profitability

Value: 4.22%

Peer Median: 3.87%

#192 of 885 Top 21.6% in $1B-$10B

Top Weaknesses (2 metrics)

752

Tier 1 Capital Ratio

capital

Value: 10.81%

Peer Median: 14.84%

#752 of 885 Bottom 15.1% in $1B-$10B

669

Loan-to-Deposit Ratio

liquidity

Value: 95.47%

Peer Median: 85.04%

#669 of 885 Bottom 24.5% in $1B-$10B