Horizon Financial Bank
Munich, ND · Cert 15598 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Munich Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$201.0MAssets
$150.8MLoans
$178.5MDeposits
$21.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets operating in a single state (rank 630 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.98%
Rank 419 of 746
Net Interest Margin
3.60%
Rank 399 of 746
Efficiency Ratio
64.99%
Rank 381 of 746
Equity / Assets
10.55%
Rank 367 of 746
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.72% | 1.06% | 1.45% | Beats 44% | 419 / 746 | |
| Return on Equity | 9.30% | 6.74% | 10.51% | 13.63% | Beats 41% | 437 / 746 | |
| Net Interest Margin | 3.60% | 3.17% | 3.68% | 4.16% | Beats 47% | 399 / 746 | |
| Efficiency Ratio | 64.99% | 55.74% | 64.58% | 75.47% | Beats 49% | 381 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.34% | 0.09% | 0.42% | 1.07% | Beats 19% | 601 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.78% | 11.55% | 13.75% | 17.60% | Beats 17% | 622 / 746 | |
| Total Risk-Based Capital Ratio | 10.78% | 11.71% | 14.33% | 18.43% | Beats 16% | 630 / 746 | |
| Equity / Assets | 10.55% | 8.90% | 10.51% | 13.06% | Beats 51% | 367 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 84.44% | 61.31% | 78.27% | 90.78% | 64th pctl | 268 / 746 | |
| Loans / Assets | 75.00% | 53.60% | 66.97% | 76.08% | 71st pctl | 215 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |