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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.19% | 1.14% | 1.17% | 1.14% | 1.23% | 1.48% | 1.11% | -6 bps | |
| Return on Equity | 12.59% | 11.35% | 10.65% | 11.06% | 11.27% | 12.28% | 14.07% | 10.57% | -48 bps | |
| Net Interest Margin | 4.65% | 4.32% | 4.40% | 4.31% | 4.46% | 4.04% | 4.14% | 4.32% | +2 bps | |
| Efficiency Ratio | 64.36% | 65.33% | 66.09% | 66.96% | 65.86% | 59.92% | 58.10% | 68.43% | +147 bps | |
| Non-Interest Burden | 2.84% | 2.69% | 2.79% | 2.77% | 2.81% | 2.28% | 1.93% | 2.85% | +8 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 | -0.01% | -0.13% | 0.00% | 0.00% | -0.01% | 0.00% | 0.04% | 0.01% | +1 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 | |