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New Horizon Bank, National Association
Powhatan, VA · FDIC Certificate #58857 · Chartered 10/0
Total assets
$359.32M
Total deposits
$286.42M
Total equity
$33.23M
Net loans
$183.98M
Branches (offices)
3
Net income (YTD)
-$581.00K
Rank: #2,205 of 4,213 U.S. banks by assets · #44 of 56 in Virginia. Assets changed 63.1% and deposits 51.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.39% |
| Return on equity | -3.46% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 9.25% |
| Tier 1 leverage ratio | 10.81% |
| Uninsured deposits (share of deposits) | 55.2% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 64.2% |
| Real estate loans (share of loans) | 87.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $161.70M | 87.9% | |
| Commercial & industrial | $22.19M | 12.1% | |
| Consumer / individual | $1.55M | 0.8% | |
| Construction & development | $14.15M | 7.7% | |
| Agricultural | $76.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $136.29M | $118.34M | -$61.00K | $17.76M |
| Jun 2023 | $131.03M | $113.74M | $474.00K | $17.10M |
| Jun 2024 | $127.54M | $111.03M | -$988.00K | $16.25M |
| Jun 2025 | $220.32M | $188.74M | -$1.06M | $29.52M |
| Jun 2026 | $359.32M | $286.42M | -$581.00K | $33.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $286.42M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $286.42M.
Similar-sized banks
Locus Bank, Inc. ($359.36M) · United Community Bank ($359.30M)
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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