Horicon Bank

Horicon, WI · Cert 11236 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Horicon Bk Profit Sharing&Employee STK Ownership Plan

State charter, non-member · FDIC · 19 branches

Q2 2026

$1.7BAssets

$1.4BLoans

$1.4BDeposits

$170.2MEquity

Executive Summary

Strongest standing: net interest margin outperforms 81% of banks $1B-$10B in assets operating in a single state (rank 50 of 258).
Widest gap: tier 1 capital ratio trails 82% of banks $1B-$10B in assets operating in a single state (rank 212 of 258).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.10%

Rank 155 of 258

Net Interest Margin

4.00%

Rank 50 of 258

Efficiency Ratio

63.31%

Rank 163 of 257

Equity / Assets

10.29%

Rank 127 of 258

Non-interest income vs. expense

Unfavorable gap of $38.1M · efficiency ratio beats 37% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.10%	0.93%	1.23%	1.54%	Beats 40%	155 / 258
Return on Equity	10.71%	9.26%	11.84%	14.74%	Beats 42%	150 / 258
Net Interest Margin	4.00%	3.16%	3.49%	3.88%	Beats 81%	50 / 258
Efficiency Ratio	63.31%	51.71%	60.30%	69.65%	Beats 37%	163 / 257
Asset Quality
Nonperforming Loans / Loans	0.93%	0.19%	0.46%	0.90%	Beats 24%	196 / 258
Net Charge-Offs / Loans	0.01%	0.01%	0.02%	0.07%	Beats 74%	70 / 258
Capital
Tier 1 Capital Ratio	10.81%	11.41%	12.98%	15.12%	Beats 18%	212 / 258
Total Risk-Based Capital Ratio	12.06%	12.10%	13.91%	16.08%	Beats 24%	196 / 258
Equity / Assets	10.29%	9.09%	10.24%	11.72%	Beats 51%	127 / 258
Liquidity & Funding
Loans / Deposits	96.73%	73.24%	86.34%	95.95%	78th pctl	57 / 258
Loans / Assets	83.08%	63.01%	72.27%	78.40%	90th pctl	27 / 258
Brokered Deposits / Deposits	n/a	Not reported for this institution