Horicon Bank (FDIC #11236): Bank Stress & Real-Estate Credit Exposure
Horicon Bank (FDIC Cert #11236): bank stress 61/100, elevated, STABLE over 7 days; parent SWORD FINANCIAL CORP.
Horicon Bank (#11236) lends in 9 counties across 1 state; Horicon Bank (#11236) reaches 162 ZIP codes: Wisconsin 9 counties, 162 ZIPs.
Horicon Bank (#11236) largest markets: Milwaukee County, WI (37 branches, 37 ZIPs) (#11236), Dodge County, WI (224 branches, 32 ZIPs) (#11236), Waukesha County, WI (62 branches, 31 ZIPs) (#11236), Fond Du Lac County, WI (72 branches, 24 ZIPs) (#11236), Winnebago County, WI (18 branches, 18 ZIPs) (#11236), Washington County, WI (18 branches, 18 ZIPs) (#11236).
Horicon Bank (#11236) reports $1.65 billion in total assets; Horicon Bank (#11236) equity $170.2 million (10.3% of Horicon Bank (#11236) assets); Horicon Bank (#11236) domestic deposits $1.42 billion; Horicon Bank (#11236) net income $11.6 million; Horicon Bank (#11236) return on assets 1.42%; Horicon Bank (#11236) return on equity 13.80%; Horicon Bank (#11236) net interest income $32.7 million; Horicon Bank (#11236) call report June 30, 2026.
Horicon Bank (#11236) noncurrent real-estate loans: none reported; Horicon Bank (#11236) net charge-offs on real estate 0.86%; Horicon Bank (#11236) residential charge-offs 0.30%.
Horicon Bank (#11236) net interest margin 4.22% against an eight-quarter Horicon Bank (#11236) average of 3.94% (Horicon Bank (#11236) compression -0.28 points); Horicon Bank (#11236) real-estate loans 0.1% of equity; Horicon Bank (#11236) non-residential real estate 29.9% of equity; Horicon Bank (#11236) rate-exposure score 40/100, Horicon Bank (#11236) fixed-rate trap 40/100; Horicon Bank (#11236) risk type credit driven; Horicon Bank (#11236) rate regime rates elevated, Horicon Bank (#11236) snapshot October 20, 2026.
Horicon Bank (#11236) stress score moved from 62.1 on June 22, 2026 to 61.2 on October 20, 2026; Horicon Bank (#11236) ranged 61.2 to 62.1 over 117 snapshots.
Horicon Bank (#11236) alerts: 9 counties; top Horicon Bank (#11236) alert scores: Milwaukee County, WI 38 (moderate); Appleton County, WI 21 (low); Grafton County, WI 21 (low); Markesan County, WI 21 (low); New Berlin County, WI 21 (low).