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Horizon Financial Bank
Munich, ND · FDIC Certificate #15598 · Chartered 01/0
Total assets
$201.03M
Total deposits
$178.55M
Total equity
$21.21M
Net loans
$149.06M
Branches (offices)
5
Net income (YTD)
$986.00K
Rank: #2,969 of 4,213 U.S. banks by assets · #35 of 60 in North Dakota. Assets changed 1.7% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 9.19% |
| Net interest margin (YTD) | 3.93% |
| Equity to assets | 10.55% |
| Tier 1 leverage ratio | 10.78% |
| Uninsured deposits (share of deposits) | 27.6% |
| Noncurrent loans (share of loans) | 1.34% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.5% |
| Real estate loans (share of loans) | 41.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $62.18M | 41.7% | |
| Commercial & industrial | $8.54M | 5.7% | |
| Consumer / individual | $2.60M | 1.7% | |
| Construction & development | $3.78M | 2.5% | |
| Agricultural | $70.90M | 47.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $195.86M | $177.47M | $266.00K | $18.07M |
| Jun 2023 | $184.00M | $163.92M | $777.00K | $19.21M |
| Jun 2024 | $181.95M | $157.87M | $767.00K | $20.04M |
| Jun 2025 | $197.63M | $175.42M | $954.00K | $20.95M |
| Jun 2026 | $201.03M | $178.55M | $986.00K | $21.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $178.55M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $178.55M.
Similar-sized banks
Keen Bank, National Association ($201.07M) · Bank Of Delight ($201.03M)
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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