# HORIZON BANK SSB
AUSTIN, TX · FDIC certificate 3256 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $2.55B | |
| Deposits | $2.21B | |
| Loans and leases | $1.63B | |
| Total equity | $204.3M | |
| Loans / deposits | 72.74% (p20 of band) | 87.10% |
| Liquid assets / assets | 31.59% (p78 of band) | |
| Uninsured deposits / deposits | 50.64% (p91 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.38% (p43 of band) | |
| FHLB advances / assets | 0.47% | |
| Tier 1 leverage | 8.95% (p11 of band) | 10.50% |
| Unrealized securities loss / equity | -46.20% (p3 of band) | -7.75% |
| AOCI / equity | -0.98% (p19 of band) | |
| ROA (annualized) | 1.74% (p80 of band) | 1.26% |
| Net interest margin | 4.08% (p73 of band) | 3.70% |
| Efficiency ratio | 52.57% (p30 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p39 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 61.84% (p64 of band) | |
| Auto loans | $331,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $30.6M (15% of equity) (p90 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 238 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | construction >100% equity |  |
| 2014-03 | 0 |  | construction >100% equity |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 0 |  | construction >100% equity |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | capital falling, construction >100% equity |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2020-03 | 0 |  | uninsured deposits >50%, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 3 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2020-12 | 1 |  | capital falling, run vulnerability |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | uninsured deposits leaving | construction >100% equity |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 4 | deposits shrinking, assets shrinking |  |
| 2024-09 | 3 |  | deposits shrinking |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 1 |  | uninsured deposits >50% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 5 | uninsured deposits >50%, capital falling, deposits shrinking, assets shrinking |  |
| 2026-03 | 1 |  | uninsured deposits >50%, capital falling, deposits shrinking, assets shrinking |
| 2026-06 | 2 | uninsured deposits >50% |  |

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

- 2017-10-24 [Horizon Bank spreads Central Texas footprint, both in urban core and suburbs - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNdGtDUDVRRHpRM0F2T1VVbGJidlBvS0tvVDdRM3JuUmxnNXVEU1BYUVhYMG5HSTRmZDdxMDVFSG81NG1leG5JT1VJZGtzMWU5enljeDQ5UVhmQXdmX1NvWnNqcVZ6NGlNdjlkSTRFV1lzbDRPNzhXR0tzQ3hTXzBtYVkwaDdRdGZQMXgwbXprcnVoR0pMQ3gtNVJHTnNwZnBheWRSMU4zV2c?oc=5) · The Business Journals
- 2022-07-28 [Top banks $2B-$10B: How they stack up by performance - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxPSFJkZ1VLZmRuVktvRm4tLUdDVENTUFg4LUdjSjY4UndZNU9QU1c2MGtTT1Q5SFNiYkVJRDZBbmptZEN1WEhCTER2Rml2TFlTNW44bmxJU3NyQTRxSWZ5aGpibEQ5em54bjNSYmRNektkOVlTX2pWbmM4NnowUWp0MnBieTJlRnVlcmVfcg?oc=5) · American Banker
- 2022-10-06 [Keystone Bank raises another eight-figure sum as it aims for $1B in assets - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZ25XWFN6Uk9ob2I5cVl4emprcHlFRmI3UVN2YTFaTU8wXzlyT3dUNndyV1lJaElNa1N1bnQ0SkZ5N0FSRFdyVGZaVVR4UmxpQVQ5Q2lKa19BZEhsNVh5dk5RNW00RVo3aXZfYVA5QWpjbGkzN3hYTjFTSEkxNGFLMFFMenVtNk5EVnNIdEJfZGZRZDFuYWM3NFln?oc=5) · The Business Journals
- 2017-09-12 [Self Directed IRA Services, Inc. Begins New Chapter As STRATA Trust Company - PR Newswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNd05wbHJUTjNaeGNZdDBpLUhMN21zWWNpQkNRMHlGeFJQS0xhXzVReWg1aUZjZlhHUVFDMmRFSlE5ZXFzZ2M1T25lckhJOC1Mc2xPZWVGNURUYk5iWVc5SHpXYnYyU3NSNHVDQ05LTmY3cnVpRVNZckNnY3U0NGlLV1pLYUdiY2RHUGNONTF0S2dxRVFrVjJ2U1V1V3pKQU96ZmV0dUk2Z3hGR2Nib3dlYm4ycEctRmxUVWZ1bUVreHdWUTMzYlNLOQ?oc=5) · PR Newswire
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2021-01-09 [Fitbit Pay Banks: Where it's supported, and what countries - androidcentral.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBrOFpVS2o4TlpCWmJtV3k5N1VZRVg4eUxkaDNhNXJQZ3JFd0Q5Z0VYWXpNOHpLcEJ5SHp3ckJfNWt5S2E5LUIwZ1l0R1NJaFdURGRtemdLbVhFVzdUT1ZRbQ?oc=5) · androidcentral.com
- 2015-03-09 [George P. Bush to help raise cash for dad's super PAC - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxNYnNiUXNtV1pZNDdrR0lmMXdfUHdaQnNqNkhJNzBqcHdvY1RlN0FwTE1lNUhRVkZaRlVCaFFqMEhDbjN1eXZJY2RfNFgzR2VldUpIdkFsUGE0aFpMTXFwTV9QRlpra2tjZUltTFg5Y0FLZnI3WTM5MU5udUg4cHZxYnJnUW1SUGxob2pRMjBFR083SHZRakQzUU52cEhWXzBBbkNoOUdZdkhaUlZoS281bnh4WEZ0MGpwVk9ncDc3cGktR0llekk0?oc=5) · Lubbock Avalanche-Journal
- 2022-03-09 [Sunflower Bank purchase of Pioneer Bank gets regulatory green light - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNREpqTHBjcy1GZmV6UmY0VGZJTWdkNWs5YUJncXBOS2Y0cFFhRm1KWnFVbDBoOGZ5dVNzS2x6aXJmVTR6bTNRQkV3bGhCWEV1NHp5WjBJTkZReVZwM3pWejFsQjJLUEdHZGRTR3pHZHB5dUYwRmhyN0dSZzVGLU55M3hxWFJWaFM5NWRIeF9fbUJtQk9DV3NzcU1UVTlZek9XLVplUi1zYw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3256 (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/56.json (key "3256", 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.

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