# HORIZON BANK
WAVERLY, NE · FDIC certificate 14327 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $574.3M | |
| Deposits | $474.9M | |
| Loans and leases | $402.9M | |
| Total equity | $84.0M | |
| Loans / deposits | 84.04% (p56 of band) | 82.04% |
| Liquid assets / assets | 24.06% (p48 of band) | |
| Uninsured deposits / deposits | 30.77% (p69 of band) | 25.97% |
| Brokered deposits | 6.89% | |
| Wholesale funding | 6.89% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.96% (p85 of band) | 10.81% |
| Unrealized securities loss / equity | -0.77% (p87 of band) | -8.10% |
| AOCI / equity | 0.18% (p87 of band) | |
| ROA (annualized) | 2.95% (p97 of band) | 1.28% |
| Net interest margin | 5.12% (p95 of band) | 3.91% |
| Efficiency ratio | 26.23% (p1 of band) | |
| Noncurrent loans | 0.46% (p52 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 203.88% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 200.91% (p99 of band) | |
| Auto loans | $612,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.9% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 2 |  | loans exceed deposits |
| 2011-09 | 2 | capital falling | construction >100% equity |
| 2011-12 | 2 | construction >100% equity | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | wholesale funding >15%, construction >100% equity |
| 2012-12 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | wholesale funding >15% |  |
| 2013-09 | 3 | brokered >10% |  |
| 2013-12 | 3 | capital falling | construction >100% equity |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | construction >100% equity |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | loans exceed deposits |  |
| 2018-06 | 2 |  | wholesale funding >15%, brokered >10% |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2019-03 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2019-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2019-09 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2019-12 | 3 | loans exceed deposits, wholesale funding >15% | brokered >10% |
| 2020-03 | 5 | brokered >10%, capital falling, AOCI drag >20% of equity | wholesale funding >15% |
| 2020-06 | 4 | wholesale funding >15% | capital falling, AOCI drag >20% of equity |
| 2020-09 | 5 | uninsured deposits leaving |  |
| 2020-12 | 6 | liquid assets <10%, reserve under noncurrent | uninsured deposits leaving |
| 2021-03 | 6 | deposits shrinking | liquid assets <10% |
| 2021-06 | 8 | charge-offs p90, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2021-09 | 8 |  |  |
| 2021-12 | 6 |  | loans exceed deposits, wholesale funding >15% |
| 2022-03 | 3 | capital falling | brokered >10%, deposits shrinking, charge-offs p90, assets shrinking |
| 2022-06 | 1 |  | uninsured deposits leaving, capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | wholesale funding >15% |  |
| 2023-03 | 1 |  | wholesale funding >15% |
| 2023-06 | 2 | reserve under noncurrent |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | wholesale funding >15% |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | brokered >10% |
| 2025-09 | 1 |  | reserve under noncurrent |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-16 [First Horizon Bank Announces New Hires and Promotion in Acadiana - PR Newswire](https://news.google.com/rss/articles/CBMivAFBVV95cUxPRkRfeVFQWnhYTVB2WXZBT3RkeDBpWmpVX1JuTkktNllWR2FoV1QtUXN1R2pqQ2Y4Y2NPeWVjb1EweE1XZ0VGNlg3ajNINHg3T1BveFNLWGJISkxtYTFJZVYxMXhBVklDdDMtZkJHdXdXcFF5UlY3OTc2NlkwRzZBM3piQTM0MEQ4ODV0QVNrVDBVWjZVa0pDVHBXamwyazREYnc3dUN1RWYxTElWTXdjb3VGQVc1UkplNmxEMQ?oc=5) · PR Newswire
- 2026-09-01 [Tennessee Volunteers unveil new jersey patch sponsorship with First Horizon Bank - WKRN News 2](https://news.google.com/rss/articles/CBMiygFBVV95cUxPNlM3ZGg1QVJJYkJ4azlzdE1Xa3BQb2RaRnVTYmx3UHJ4S0NucThpSUw4NXNuUm9ldW1CbGRYLWN3c25TNlIwY3A0Q2hvV1F5NGFzUDNITGVNXzRqU2ljUTRORldmdnRUWnRKTGJoeXVrekptNk9EWG5VNW53QldTenlXSWJtWndCc09CNlU5NDB0X015RUFlRDRTdklsb1FKN3JhUTg3V1ZkZHpHcUhNWVBlMXREaGpfUHltQ3VhNmFVOFhlSUV3dUh3?oc=5) · WKRN News 2
- 2026-05-08 [First Horizon Expands New Orleans Team - Biz New Orleans](https://news.google.com/rss/articles/CBMic0FVX3lxTFBQWTEzMVF1X2NDZWthb2EzZTRqM25rU05yNGNXazhzUEVRem9CcS0wZDYtak9DRVFDeldkTEdJNnFoeXdoeFZ4dk1XVFFZNDJaeEphLTFaekg5S0psWm1OUTI2RWJoRy1mcVFteEtTNWtBX0k?oc=5) · Biz New Orleans
- 2026-06-04 [Memphis bank hires retail banking exec to oversee Mid-South region - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWWdTOC1XNzRRM2xkTFRWZ0ZNemItenBPVkJkTlhNNEVsdXRRa0ZOYW95UkozeEg3WHM0ZVM0cjFJMUNVWExnRXFrdVk0eVlLeFA3azc3enlMNTZ6MWdHU0o5a2RYajRyMzRoMXJBNjFsUi13ZzBKN2c5NUJtdlZGcko1VDRjaXBVcU9XR1RMZWE1SFVpdlhvMTBUcFlFcTZGNVNJMg?oc=5) · The Business Journals
- 2026-01-27 [A Southern bank plans new South End branch, growing its Charlotte presence - Charlotte Observer](https://news.google.com/rss/articles/CBMieEFVX3lxTE16UTdSandjN1dPU3hZV1IxTVlnSFN4T29pLWZvMlNLMWFsd0pyTWtSeDVPcWJqZUpfLWZ5WWJValJCZkdfX3lzTk5uOXBIWElXTzBVM1dXM2NKNjNucW5XWDNWRndSQ3hYbjhsY29OMTRHUmxDUGJRU9IBeEFVX3lxTE14U25WYTRXR3NWeDhNUTZxQkt6U1Azbm9DQlY5TGR0MHprRHdBQ0xWUWxMWjZoMGdKYUpLcTlvQTVJUDEtM1JJeGpXZmpKZXYybWNHSHF1Y1dOeUlFbTd4VzdHaWRoRGdqTWpwbTVmV0REMkxQVVlDMQ?oc=5) · Charlotte Observer
- 2026-05-10 [Suspect allegedly makes bomb threat while robbing New Orleans bank, NOPD says; FBI investigating - fox8live.com](https://news.google.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?oc=5) · fox8live.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-15 [Judge denies First Horizon injunction as M C Bank plans expansion. What's next? - NOLA.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNS3dZaFZOS0xFRkNlTG9CaDBGTDVSX2F5a1Q1OEZ1bGpQdE9mN2hpNjFla1lqOFBwcXNiM2ZCX01QWjNCbnhyVC1lQURRaDkzSGd1S1ZLVWtkR1VjeXpRVGpmSy1aRTlGbFhSTFZGSlhsV2o4S2tGblc1X2lLbThUNDdJN1JXWVlkSEszbVRhRWxpZUNHa0pITk1tbVdrVFF6dXFRLVBiRHPSAa4BQVVfeXFMT0xEUFVGSS1VdlBWdWt5UE9nNmthaU9LNlJxSGI3VHB4YmxUYzJtWnBQNTRxcHlZaDFMZVBXNzhPSW5mMm05YW0zbkczaVJ1b2FfSFdKYXlPeWZVd0FUTlJWbTBYTkpLdnFIQVduaTljaFMyZjVsZ2MybDdaLXEwQUZzN2dscUdJQmNNMWE0ZUNWbVhWb0M2am9EVHpLZnRZWVhJQWdFbDNPWU8wemhn?oc=5) · NOLA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14327 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "14327", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide