Horizon Financial Bank (FDIC #15598): Bank Stress & Real-Estate Credit Exposure
Horizon Financial Bank (FDIC Cert #15598): bank stress 69/100, elevated, STABLE over 7 days; parent MUNICH BANCSHARES INC.
Horizon Financial Bank (#15598) lends in 3 counties across 1 state; Horizon Financial Bank (#15598) reaches 39 ZIP codes: North Dakota 3 counties, 39 ZIPs.
Horizon Financial Bank (#15598) largest markets: Cavalier County, ND (54 branches, 18 ZIPs) (#15598), Burleigh County, ND (13 branches, 13 ZIPs) (#15598), Ramsey County, ND (12 branches, 12 ZIPs) (#15598).
Horizon Financial Bank (#15598) reports $201.0 million in total assets; Horizon Financial Bank (#15598) equity $21.2 million (10.5% of Horizon Financial Bank (#15598) assets); Horizon Financial Bank (#15598) domestic deposits $178.5 million; Horizon Financial Bank (#15598) net income $986,000; Horizon Financial Bank (#15598) return on assets 0.97%; Horizon Financial Bank (#15598) return on equity 9.19%; Horizon Financial Bank (#15598) net interest income $3.7 million; Horizon Financial Bank (#15598) call report June 30, 2026.
Horizon Financial Bank (#15598) noncurrent real-estate loans: none reported; Horizon Financial Bank (#15598) net charge-offs on real estate 2.03%; Horizon Financial Bank (#15598) residential charge-offs 1.71%.
Horizon Financial Bank (#15598) net interest margin 3.93% against an eight-quarter Horizon Financial Bank (#15598) average of 3.67% (Horizon Financial Bank (#15598) compression -0.26 points); Horizon Financial Bank (#15598) non-residential real estate 170.7% of equity; Horizon Financial Bank (#15598) rate-exposure score 40/100, Horizon Financial Bank (#15598) fixed-rate trap 40/100; Horizon Financial Bank (#15598) risk type credit driven; Horizon Financial Bank (#15598) rate regime rates elevated, Horizon Financial Bank (#15598) snapshot October 19, 2026.
Horizon Financial Bank (#15598) stress score moved from 69.7 on June 22, 2026 to 69.2 on October 20, 2026; Horizon Financial Bank (#15598) ranged 69.2 to 69.7 over 117 snapshots.
Horizon Financial Bank (#15598) alerts: 3 counties; top Horizon Financial Bank (#15598) alert scores: Bismarck County, ND 23 (low); Devils Lake County, ND 23 (low); Osnabrock County, ND 23 (low).