BlastPoint's Banking Scorecard
Horizon Bank, SSB
Designations: ✓ Community bank
Austin, TX
6 branches across TX
Horizon Bank, SSB has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.39% above tier average
- + Net Interest Margin 0.27% above tier average
- + Efficiency Ratio 8.85% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 26.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+0.6% YoY
+3.7% QoQ
|
-$380.7M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$1.6B
+6.6% YoY
+2.0% QoQ
|
-$371.5M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$2.1B
-2.6% YoY
+0.7% QoQ
|
-$266.3M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.76%
+8.7% YoY
+5.5% QoQ
|
+0.39% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
4.09%
+15.0% YoY
+7.0% QoQ
|
+0.27% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
52.21%
+5.1% YoY
+1.3% QoQ
|
-8.85% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
76.71%
+9.5% YoY
+1.3% QoQ
|
-7.49% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
30.06%
-2.5% YoY
-3.2% QoQ
|
+8.77% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.03%
-6.6% YoY
-3.8% QoQ
|
-3.13% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.19%
+5.7% YoY
-74.4% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
69% |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.