Is Horizon Bank SSB Safe?
Horizon Bank SSB has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while Tier 1 capital is its weakest area (82/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.62% | 82/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 32.14% | 100/100 |
| Return on Assets | 1.72% | 89/100 |
| Total Assets | $2.4B | |
How does Horizon Bank SSB compare?
With a Bank Health Score of 92/100, Horizon Bank SSB sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Horizon Bank SSB ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 12.62% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Horizon Bank SSB's Bank Health Score held roughly steady at 92/100. Tier 1 capital strengthened by 0.38 percentage points to 12.62%. Quarter-over-quarter, the score fell by 1.0 points.
Horizon Bank SSB has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while Tier 1 capital is its weakest area (82/100).