BlastPoint's Banking Scorecard
Horizon Financial Bank
Munich, ND
5 branches across ND
Horizon Financial Bank faces 6 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 8.1% in tier
- - Flatlined Growth: Bottom 15.2% in tier
- - ROA 0.35% below tier average
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 0.68% above tier average
- - Delinquency Rate 1.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.2M
-1.8% YoY
-1.8% QoQ
|
-$183.9M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$135.9M
-0.3% YoY
-13.5% QoQ
|
-$119.8M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$180.3M
-0.6% YoY
+2.0% QoQ
|
-$147.7M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.92%
+6.7% YoY
-12.9% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.87%
+11.3% YoY
+2.4% QoQ
|
-0.06% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
65.97%
-1.3% YoY
+6.4% QoQ
|
+0.68% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
2.06%
+387.4% YoY
+223.7% QoQ
|
+1.18% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.8% in tier |
| Loan-to-Deposit Ratio ? |
75.37%
+0.3% YoY
-15.1% QoQ
|
-1.27% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
19.40%
+5.9% YoY
+5.1% QoQ
|
-2.62% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
1.39%
+394.5% YoY
+185.3% QoQ
|
+0.75% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
10.40%
-0.3% YoY
-8.2% QoQ
|
-5.43% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.9% in tier |
| Non-Interest Income / Assets ? |
0.05%
+6.2% YoY
-74.1% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.