New Horizon Bank, National Association
Powhatan, VA · Cert 58857 · Peer group: banks under $1B in assets (n=581-629) · CSBH LLC
National charter · OCC · 3 branches
Q2 2026
$359.3MAssets
$185.5MLoans
$286.4MDeposits
$33.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 69% of banks under $1B in assets (rank 179 of 581).
- Widest gap: efficiency ratio trails 94% of banks under $1B in assets (rank 592 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.32%
Rank 587 of 629
Net Interest Margin
3.78%
Rank 240 of 629
Efficiency Ratio
108.35%
Rank 592 of 629
Equity / Assets
9.25%
Rank 452 of 629
Non-interest income vs. expense
Unfavorable gap of $11.9M · efficiency ratio beats 6% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.32% | 0.60% | 1.01% | 1.45% | Beats 7% | 587 / 629 | | |
| Return on Equity | -3.50% | 5.38% | 9.30% | 13.28% | Beats 6% | 591 / 629 | | |
| Net Interest Margin | 3.78% | 3.03% | 3.54% | 4.05% | Beats 62% | 240 / 629 | | |
| Efficiency Ratio | 108.35% | 58.35% | 67.79% | 79.08% | Beats 6% | 592 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.46% | 1.20% | Beats 69% | 179 / 581 | | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 14% | 502 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.81% | 11.24% | 13.84% | 18.77% | Beats 19% | 510 / 629 | | |
| Total Risk-Based Capital Ratio | 10.81% | 11.58% | 14.43% | 19.66% | Beats 16% | 527 / 629 | | |
| Equity / Assets | 9.25% | 9.09% | 10.65% | 13.80% | Beats 28% | 452 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.77% | 67.24% | 80.90% | 93.48% | 23rd pctl | 458 / 594 | | |
| Loans / Assets | 51.63% | 53.31% | 67.71% | 78.15% | 23rd pctl | 487 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |