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New Horizon Bank, National Association

$100M-$1B Specialty: Commercial VA FDIC cert 58857

Powhatan, VA

3 branches across VA

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 23 in VA.
  • Deposits +51.8% year over year ($286.4M on the books).
  • Delinquency rate 0.15%.
  • Return on assets -0.39%.
  • Efficiency ratio 108.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.23% 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 23 in VA
View $100M-$1B leaderboard (VA) →

New Horizon Bank, National Association has 2 strengths but faces 3 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

  • + Non-Interest-Bearing Deposit Share 27.55% above tier average
  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 1.71% below tier average
  • - Efficiency Ratio 43.63% above tier average
  • - Net Interest Margin 0.10% below tier average
Get updates when New Horizon Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $359.3M
+63.1% YoY +29.0% QoQ
-$27.2M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $184.0M
+69.1% YoY +9.2% QoQ
-$74.4M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $286.4M
+51.8% YoY +39.3% QoQ
-$40.3M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? -0.39%
+60.9% YoY +18.4% QoQ
-1.71% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Bottom 1.9% in tier
Net Interest Margin ? 3.88%
+10.9% YoY -4.8% QoQ
-0.10% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 108.11%
-14.4% YoY -0.1% QoQ
+43.63% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
Bottom 1.6% in tier
Delinquency Rate ? 0.15%
-53.0% YoY -86.6% QoQ
-0.77% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 64.23%
+11.4% YoY -21.6% QoQ
-13.72% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 49.58%
+31.0% YoY +44.9% QoQ
+27.55% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
Top 1.6% in tier
Nonperforming Asset Ratio ? 0.08%
-51.3% YoY -88.7% QoQ
-0.59% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 10.81%
-22.1% YoY -14.5% QoQ
-5.10% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.09%
-55.1% YoY +72.7% QoQ
-0.48% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Bottom 14.9% 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 (VA) National Avg Tier Percentile
Noninterest-Bearing 49.6%
+11.7pp YoY
+15.4pp QoQ
 +27.4pp 22.1% 26.2% 22.2% 98%
Brokered Deposits 1.7%
+1.7pp YoY
+1.6pp QoQ
 -6.1pp 7.9% 8.5% 8.5% 27%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 12.1%
+4.9pp YoY
+3.1pp QoQ
 +0.5pp 11.6% 11.0% 12.5% 64%
CRE 68.4%
+2.5pp YoY
-1.6pp QoQ
 +28.9pp 39.5% 46.9% 41.4% 92%
1-4 Family 18.4%
-4.0pp YoY
-1.2pp QoQ
 -14.3pp 32.6% 32.6% 31.3% 27%
Consumer 0.8%
-2.5pp YoY
-0.3pp QoQ
 -3.3pp 4.1% 8.0% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 10.8%
-3.1pp YoY
-1.8pp QoQ
 -1.4pp 12.2% 12.2% 12.6% 46%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 55
+3 (+5.8%) YoY
+6 (+12.2%) QoQ
 -4 58 1,956 482 58%
Assets per Employee ($) $6.5M
+54.2% YoY
+14.9% QoQ
 -$985K $7.5M $9.9M $8.8M 43%
Branch Count 3
+2 (+200.0%) YoY
+1 (+50.0%) QoQ
 -2 4 28 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
-0.1pp YoY
-1.0pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 25%
Allowance Coverage 5.53x
+45.8% YoY
+537.0% QoQ
 -18.62x 24.15x 9.47x 20.23x 72%
Net Charge-off Rate (YTD) 0.3%
+0.1pp YoY
+0.2pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE -3.5%
+4.5pp YoY
+0.3pp QoQ
 -15.7pp 12.2% 12.0% 11.6% 2%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 50%
Net Income ($, YTD) $-581000.0
+45.0% YoY
— QoQ
 -$3.1M $2.6M $137.1M $40.4M 2%

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 (0)

No matched strength signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

42
Non-Interest-Bearing Deposit Share
funding
Value: 49.58%
Peer Median: 22.03%
#42 of 2643 Top 1.6% in $100M-$1B
599
Loan-to-Deposit Ratio
liquidity
Value: 64.23%
Peer Median: 77.95%
#599 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (4 metrics)

2602
Efficiency Ratio
profitability
Value: 108.11%
Peer Median: 64.48%
#2602 of 2643 Bottom 1.6% in $100M-$1B
2593
Return on Assets
profitability
Value: -0.39%
Peer Median: 1.32%
#2593 of 2643 Bottom 1.9% in $100M-$1B
2250
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2250 of 2643 Bottom 14.9% in $100M-$1B
2097
Tier 1 Capital Ratio
capital
Value: 10.81%
Peer Median: 15.91%
#2097 of 2643 Bottom 20.7% in $100M-$1B
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