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Horizon Bank
Waverly, NE · FDIC Certificate #14327 · Chartered 02/1
Total assets
$574.26M
Total deposits
$474.95M
Total equity
$83.97M
Net loans
$399.16M
Branches (offices)
5
Net income (YTD)
$8.00M
Rank: #1,609 of 4,213 U.S. banks by assets · #35 of 138 in Nebraska. Assets changed 15.9% and deposits 16.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.95% |
| Return on equity | 19.92% |
| Net interest margin (YTD) | 5.12% |
| Equity to assets | 14.62% |
| Tier 1 leverage ratio | 13.96% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 84.0% |
| Real estate loans (share of loans) | 94.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $375.47M | 94.1% | |
| Commercial & industrial | $13.48M | 3.4% | |
| Consumer / individual | $6.15M | 1.5% | |
| Construction & development | $168.69M | 42.3% | |
| Agricultural | $2.83M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $413.73M | $342.63M | $3.38M | $61.09M |
| Jun 2023 | $411.29M | $328.39M | $5.14M | $66.27M |
| Jun 2024 | $464.58M | $378.11M | $5.71M | $70.03M |
| Jun 2025 | $495.43M | $409.61M | $6.25M | $75.29M |
| Jun 2026 | $574.26M | $474.95M | $8.00M | $83.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $474.95M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $474.95M.
Similar-sized banks
Gibsland Bank & Trust Company ($574.32M) · Enterprise Bank ($573.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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