BlastPoint's Banking Scorecard

Horizon Bank

$100M-$1B Specialty: Commercial NE FDIC cert 14327

Waverly, NE

5 branches across NE

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits +16.0% year over year ($474.9M on the books).
Delinquency rate 0.46%.
Return on assets 2.95%.
Efficiency ratio 26.23% vs a 64.48% peer average.
Loan-to-deposit ratio 84.04% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

Horizon Bank has 4 strengths 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

+ Profitability Leader: Top 18.5% in tier
+ Net Interest Margin 1.14% above tier average
+ Efficiency Ratio 38.25% below tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 16.37% below tier average
- Non-Interest Income / Assets 0.57% below tier average

Get updates when Horizon Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$574.3M +15.9% YoY +6.5% QoQ	+$187.7M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$399.2M +5.3% YoY -3.0% QoQ	+$140.8M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$474.9M +16.0% YoY +6.5% QoQ	+$148.2M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	2.95% +12.4% YoY +3.0% QoQ	+1.63%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	Top 2.1% in tier
Net Interest Margin ?	5.12% +0.3% YoY +2.2% QoQ	+1.14%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	Top 6.4% in tier
Efficiency Ratio ?	26.23% -20.9% YoY -2.3% QoQ	-38.25%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Top 0.4% in tier
Delinquency Rate ?	0.46% -64.0% YoY +2.3% QoQ	-0.45%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	84.04% -9.2% YoY -8.9% QoQ	+6.09%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	5.66% -16.6% YoY -18.8% QoQ	-16.37%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 4.4% in tier
Nonperforming Asset Ratio ?	0.46% -62.0% YoY -6.6% QoQ	-0.21%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	15.07% +5.4% YoY +5.1% QoQ	-0.84%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	-0.00% +99.7% YoY +88.3% QoQ	-0.57%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Bottom 0.4% in tier

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 (NE)	National Avg	Tier Percentile
Noninterest-Bearing	5.7% -1.1pp YoY -1.3pp QoQ	-16.5pp	22.1%	17.6%	22.2%	4%
Brokered Deposits	8.3% -2.4pp YoY -1.5pp QoQ	+0.5pp	7.9%	8.9%	8.5%	70%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	3.4% +0.3pp YoY 0.0pp QoQ	-8.2pp	11.6%	12.3%	12.5%	11%
CRE	79.4% +1.0pp YoY -0.6pp QoQ	+39.8pp	39.5%	32.3%	41.4%	97%
1-4 Family	12.7% -0.1pp YoY +0.3pp QoQ	-19.9pp	32.6%	16.9%	31.3%	15%
Consumer	1.5% +1.1pp YoY 0.0pp QoQ	-2.6pp	4.1%	3.1%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	15.1% +0.8pp YoY +0.7pp QoQ	-3.8pp	18.8%	16.1%	19.7%	49%
Leverage Ratio	14.0% -0.1pp YoY -0.3pp QoQ	+1.8pp	12.2%	12.1%	12.6%	81%
Total Capital Ratio	15.8% +0.9pp YoY +0.7pp QoQ	-4.1pp	19.9%	17.3%	20.8%	46%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	33 +1 (+3.1%) YoY +1 (+3.1%) QoQ	-26	58	98	482	31%
Assets per Employee ($)	$17.4M +12.4% YoY +3.3% QoQ	+$9.9M	$7.5M	$8.5M	$8.8M	99%
Branch Count	5 0 YoY 0 QoQ	0	4	7	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.5% -0.8pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	51%
Allowance Coverage	2.04x +243.0% YoY +3.2% QoQ	-22.11x	24.15x	31.69x	20.23x	48%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	67%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	19.9% +2.8pp YoY +0.7pp QoQ	+7.7pp	12.2%	12.3%	11.6%	88%
Cost of Funds (YTD)	1.5% +0.1pp YoY +0.1pp QoQ	-0.2pp	1.7%	1.9%	1.7%	37%
Net Income ($, YTD)	$8.0M +27.9% YoY — QoQ	+$5.4M	$2.6M	$6.1M	$40.4M	97%

Get Full Access to Horizon Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Profitability Leader

growth

#123 of 661 • Top 18.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.95%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 26.23%

Peer Median: 64.48%

#12 of 2643 Top 0.4% in $100M-$1B

Return on Assets

profitability

Value: 2.95%

Peer Median: 1.32%

#57 of 2643 Top 2.1% in $100M-$1B

170

Net Interest Margin

profitability

Value: 5.12%

Peer Median: 3.99%

#170 of 2643 Top 6.4% in $100M-$1B

547

Total Loans

size

Value: $399.16M

Peer Median: $258.35M

#547 of 2643 Top 20.7% in $100M-$1B

569

Total Assets

size

Value: $574.26M

Peer Median: $386.57M

#569 of 2643 Top 21.5% in $100M-$1B

597

Total Deposits

size

Value: $474.95M

Peer Median: $326.73M

#597 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (2 metrics)

2633

Non-Interest Income / Assets

revenue_mix

Value: -0.00%

Peer Median: 0.57%

#2633 of 2643 Bottom 0.4% in $100M-$1B

2529

Non-Interest-Bearing Deposit Share

funding

Value: 5.66%

Peer Median: 22.03%

#2529 of 2643 Bottom 4.4% in $100M-$1B