BlastPoint's Banking Scorecard
Horizon Bank, SSB
Designations: ✓ Community bank
Austin, TX
7 branches across TX
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 78 in TX.
- Deposits +8.3% year over year ($2.2B on the books).
- Delinquency rate 0.00%.
- Return on assets 1.74%.
- Efficiency ratio 52.57% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.74% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Horizon Bank, SSB shows strong momentum with 5 strengths and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.35% above tier average
- + Net Interest Margin 0.21% above tier average
- + Efficiency Ratio 7.16% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+7.6% YoY
+4.9% QoQ
|
-$239.5M |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$1.6B
+6.2% YoY
+0.8% QoQ
|
-$357.3M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$2.2B
+8.3% YoY
+6.3% QoQ
|
-$110.9M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.74%
+6.1% YoY
-1.2% QoQ
|
+0.35% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
4.08%
+13.7% YoY
-0.1% QoQ
|
+0.21% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
52.57%
+4.5% YoY
+0.7% QoQ
|
-7.16% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? | 0.00% | -0.87% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
72.74%
-1.9% YoY
-5.2% QoQ
|
-12.30% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
27.62%
-10.1% YoY
-8.1% QoQ
|
+6.35% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.99%
-7.0% YoY
-0.4% QoQ
|
-2.85% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.35%
-2.8% YoY
+86.8% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
62% |
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.6%
-3.1pp YoY -2.4pp QoQ |
+6.3pp | 21.4% | 29.2% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.0%
0.0pp YoY -0.6pp QoQ |
+4.0pp | 14.0% | 14.8% | 12.5% | 76% |
| CRE |
63.8%
-1.2pp YoY 0.0pp QoQ |
+13.8pp | 50.0% | 48.4% | 41.4% | 81% |
| 1-4 Family |
13.9%
0.0pp YoY +0.6pp QoQ |
-12.5pp | 26.4% | 25.8% | 31.3% | 27% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.7% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
-0.9pp YoY 0.0pp QoQ |
-3.6pp | 15.6% | 22.7% | 19.7% | 23% |
| Leverage Ratio |
9.0%
-0.7pp YoY -0.3pp QoQ |
-2.4pp | 11.3% | 12.6% | 12.6% | 10% |
| Total Capital Ratio |
13.2%
-0.9pp YoY 0.0pp QoQ |
-3.5pp | 16.7% | 23.8% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
238
+23 (+10.7%) YoY +10 (+4.4%) QoQ |
-76 | 313 | 186 | 482 | 51% |
| Assets per Employee ($) |
$10.7M
-2.8% YoY +0.5% QoQ |
+$249K | $10.5M | $10.1M | $8.8M | 71% |
| Branch Count |
6
0 YoY 0 QoQ |
-14 | 20 | 12 | 18 | 14% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.7%
+1.2pp YoY +0.3pp QoQ |
+8.1pp | 12.6% | 13.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$21.3M
+7.1% YoY — QoQ |
+$2.0M | $19.2M | $15.9M | $40.4M | 71% |
Get Full Access to Horizon Bank, SSB
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.