Horizon Bank
Waverly, NE · Cert 14327 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 5 branches
Q2 2026
$574.3MAssets
$402.9MLoans
$474.9MDeposits
$84.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets operating in a single state (rank 4 of 746).
- Widest gap: net charge-offs / loans trails 63% of banks under $1B in assets operating in a single state (rank 472 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.78%
Rank 14 of 746
Net Interest Margin
4.67%
Rank 66 of 746
Efficiency Ratio
27.93%
Rank 4 of 746
Equity / Assets
14.62%
Rank 110 of 746
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 100% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.78% | 0.72% | 1.06% | 1.45% | Beats 98% | 14 / 746 | | |
| Return on Equity | 19.05% | 6.74% | 10.51% | 13.63% | Beats 95% | 37 / 746 | | |
| Net Interest Margin | 4.67% | 3.17% | 3.68% | 4.16% | Beats 91% | 66 / 746 | | |
| Efficiency Ratio | 27.93% | 55.74% | 64.58% | 75.47% | Beats 100% | 4 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.09% | 0.42% | 1.07% | Beats 48% | 386 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 37% | 472 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 11.55% | 13.75% | 17.60% | Beats 62% | 286 / 746 | | |
| Total Risk-Based Capital Ratio | 15.80% | 11.71% | 14.33% | 18.43% | Beats 61% | 288 / 746 | | |
| Equity / Assets | 14.62% | 8.90% | 10.51% | 13.06% | Beats 85% | 110 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.84% | 61.31% | 78.27% | 90.78% | 64th pctl | 266 / 746 | | |
| Loans / Assets | 70.17% | 53.60% | 66.97% | 76.08% | 58th pctl | 316 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |