Horizon Bank (FDIC #14327): Bank Stress & Real-Estate Credit Exposure
Horizon Bank (FDIC Cert #14327): bank stress 23/100, contained, STABLE over 7 days.
Horizon Bank (#14327) lends in 4 counties across 1 state; Horizon Bank (#14327) reaches 76 ZIP codes: Nebraska 4 counties, 76 ZIPs.
Horizon Bank (#14327) largest markets: Lancaster County, NE (88 branches, 44 ZIPs) (#14327), Sarpy County, NE (14 branches, 14 ZIPs) (#14327), Nuckolls County, NE (10 branches, 10 ZIPs) (#14327), Red Willow County, NE (8 branches, 8 ZIPs) (#14327).
Horizon Bank (#14327) reports $574.3 million in total assets; Horizon Bank (#14327) equity $84.0 million (14.6% of Horizon Bank (#14327) assets); Horizon Bank (#14327) domestic deposits $474.9 million; Horizon Bank (#14327) net income $8.0 million; Horizon Bank (#14327) return on assets 2.95%; Horizon Bank (#14327) return on equity 19.92%; Horizon Bank (#14327) net interest income $13.0 million; Horizon Bank (#14327) call report June 30, 2026.
Horizon Bank (#14327) noncurrent real-estate loans 0.05% of its book; Horizon Bank (#14327) residential 1.48%; Horizon Bank (#14327) net charge-offs on real estate 0.49%; Horizon Bank (#14327) multifamily charge-offs 0.85%; Horizon Bank (#14327) residential charge-offs 5.37%.
Horizon Bank (#14327) net interest margin 5.12% against an eight-quarter Horizon Bank (#14327) average of 5.02% (Horizon Bank (#14327) compression -0.11 points); Horizon Bank (#14327) real-estate loans 5.4% of equity; Horizon Bank (#14327) non-residential real estate 537.0% of equity; Horizon Bank (#14327) rate-exposure score 40/100, Horizon Bank (#14327) fixed-rate trap 40/100; Horizon Bank (#14327) risk type rate trapped; Horizon Bank (#14327) rate regime rates elevated, Horizon Bank (#14327) snapshot October 20, 2026.
Horizon Bank (#14327) stress score moved from 21.2 on June 22, 2026 to 23 on October 20, 2026; Horizon Bank (#14327) ranged 21.2 to 23 over 117 snapshots.
Horizon Bank (#14327) alerts: 4 counties; top Horizon Bank (#14327) alert scores: Mccook County, NE 13 (low); Springfield County, NE 13 (low); Superior County, NE 13 (low); Waverly County, NE 13 (low).