BlastPoint's Banking Scorecard
Horizon Financial Bank
Munich, ND
5 branches across ND
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 34 in ND.
- Deposits +1.8% year over year ($178.5M on the books).
- Delinquency rate 1.36%.
- Return on assets 0.97%.
- Efficiency ratio 64.99% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Horizon Financial Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 33.7% in tier
- - ROA 0.35% below tier average
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 0.51% above tier average
- - Delinquency Rate 0.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.0M
+1.7% YoY
-0.6% QoQ
|
-$185.5M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$149.1M
+1.9% YoY
+9.7% QoQ
|
-$109.3M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$178.5M
+1.8% YoY
-1.0% QoQ
|
-$148.2M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.97%
+1.7% YoY
+5.9% QoQ
|
-0.35% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.93%
+8.1% YoY
+1.4% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
64.99%
+0.5% YoY
-1.5% QoQ
|
+0.51% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
1.36%
-34.1% QoQ
|
+0.44% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
83.48%
+0.2% YoY
+10.8% QoQ
|
+5.53% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
20.66%
+8.2% YoY
+6.5% QoQ
|
-1.37% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
1.01%
-27.3% QoQ
|
+0.34% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
10.78%
+0.8% YoY
+3.7% QoQ
|
-5.13% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.10%
+8.6% YoY
+110.6% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
18% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.7%
+1.6pp YoY +1.3pp QoQ |
-1.5pp | 22.1% | 21.6% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.7%
-1.2pp YoY -1.2pp QoQ |
-5.8pp | 11.6% | 12.9% | 12.5% | 24% |
| CRE |
10.5%
+2.7pp YoY +1.2pp QoQ |
-29.1pp | 39.5% | 29.0% | 41.4% | 5% |
| 1-4 Family |
4.4%
+0.1pp YoY -0.3pp QoQ |
-28.2pp | 32.6% | 12.3% | 31.3% | 4% |
| Consumer |
1.7%
-0.3pp YoY -0.3pp QoQ |
-2.4pp | 4.1% | 4.5% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
10.8%
+0.1pp YoY +0.4pp QoQ |
-1.4pp | 12.2% | 10.7% | 12.6% | 46% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
+1 (+3.2%) YoY +3 (+10.3%) QoQ |
-27 | 58 | 138 | 482 | 30% |
| Assets per Employee ($) |
$6.3M
-1.5% YoY -9.9% QoQ |
-$1.2M | $7.5M | $8.3M | $8.8M | 38% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 7 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.4%
-0.7pp QoQ |
+1.0pp | 0.3% | 0.5% | 0.4% | 95% |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
0.85x
+40.4% QoQ |
-23.31x | 24.15x | 73.79x | 20.23x | 22% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
0.0pp YoY +0.5pp QoQ |
-3.0pp | 12.2% | 16.0% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.9%
-0.4pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 65% |
| Net Income ($, YTD) |
$986,000
+3.4% YoY — QoQ |
-$1.6M | $2.6M | $7.0M | $40.4M | 26% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.