Fort Worth, TX · Cert 21329 · Horizon Bankshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
30
Profitability
54
Liquidity
98
Efficiency
43
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fort Worth, TX · Cert 21329 · Horizon Bankshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #71 of 166 inst. · $0.5B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.13% | 1.14% | 1.16% | 1.14% | 1.18% | 1.48% | 1.29% | +13 bps | |
| Return on Equity | 10.66% | 10.83% | 10.65% | 10.85% | 10.99% | 11.33% | 14.07% | 12.30% | +144 bps | |
| Net Interest Margin | 4.33% | 4.23% | 4.40% | 4.20% | 4.19% | 3.93% | 4.14% | 4.18% | -1 bps | |
| Efficiency Ratio | 68.78% | 67.90% | 66.09% | 66.53% | 66.30% | 64.66% | 58.10% | 63.02% | -352 bps | |
| Non-Interest Burden | 2.86% | 2.75% | 2.79% | 2.68% | 2.66% | 2.43% | 1.93% | 2.37% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.22% | 9.87% | 16.91% | 13.13% | 22.26% | 19.72% | 13.28% | 15.46% | +233 bps | |
| Loan Growth (YoY) | 12.79% | 18.81% | 18.29% | 16.10% | 10.31% | 0.88% | 0.62% | -0.70% | -1,681 bps | |
| Deposit Growth (YoY) | 7.85% | 9.26% | 10.83% | 11.58% | 24.40% | 17.96% | 17.11% | 14.77% | +319 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.31% | 2.34% | 2.31% | 2.17% | 2.18% | 2.33% | 2.28% | 2.29% | +12 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 1.16% | 1.16% | 1.19% | 1.17% | 1.18% | 1.27% | 1.35% | 1.29% | +12 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.6x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.89% | 11.08% | 11.13% | 10.69% | 10.70% | 10.29% | 10.79% | 10.85% | +16 bps | |
| Total Risk-Based Capital | 13.99% | 13.97% | 14.16% | 14.16% | 14.13% | 15.18% | 15.28% | 15.31% | +115 bps | |
| Equity / Assets | 10.07% | 10.92% | 10.47% | 10.71% | 9.59% | 10.47% | 10.53% | 10.47% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.89% | 101.18% | 100.29% | 98.10% | 89.46% | 86.52% | 86.17% | 84.87% | -1,322 bps | |
| Liquid Assets / Assets | 8.65% | 3.47% | 8.92% | 7.81% | 19.40% | 18.98% | 19.44% | 20.39% | +1,258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 391% | 349% | 350% | n/a | n/a | |
Fort Worth, TX · Cert 21329 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Horizon Bankshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.25%
Rank 12 of 28
Net Interest Margin
4.18%
Rank 11 of 28
Efficiency Ratio
63.02%
Rank 17 of 28
Equity / Assets
10.47%
Rank 16 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 1.12% | 1.22% | 1.47% | Beats 57% | 12 / 28 | ||
| Return on Equity | 11.98% | 8.64% | 12.47% | 13.41% | Beats 43% | 16 / 28 | ||
| Net Interest Margin | 4.18% | 3.77% | 4.06% | 4.51% | Beats 61% | 11 / 28 | ||
| Efficiency Ratio | 63.02% | 57.39% | 61.94% | 66.78% | Beats 43% | 17 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.29% | n/a | 0.28% | 1.06% | Beats 14% | 25 / 28 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.20% | Beats 46% | 16 / 28 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.06% | 12.55% | 13.77% | 17.51% | Beats 54% | 13 / 28 | ||
| Total Risk-Based Capital Ratio | 15.31% | 12.59% | 14.62% | 18.18% | Beats 57% | 12 / 28 | ||
| Equity / Assets | 10.47% | 9.58% | 11.17% | 13.58% | Beats 43% | 16 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.87% | 66.90% | 84.79% | 89.14% | 54th pctl | 13 / 28 | ||
| Loans / Assets | 74.10% | 57.58% | 73.59% | 77.32% | 54th pctl | 13 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||