HORIZON FINANCIAL BANK
MUNICH, NORTH DAKOTA · FDIC Cert #15598
Capital & Safety Analysis
According to FDIC financial data, HORIZON FINANCIAL BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject HORIZON FINANCIAL BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
HORIZON FINANCIAL BANK shows average financial health. While not alarming, its Health Score of 51/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HORIZON FINANCIAL BANK has a Bank Health Score of C (51/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HORIZON FINANCIAL BANK holds $182M in total assets and $158M in total deposits. It is located in MUNICH, NORTH DAKOTA (FDIC Certificate #15598).
HORIZON FINANCIAL BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.01%, and the return on assets is 1.01%.
Yes. HORIZON FINANCIAL BANK is FDIC-insured (Certificate #15598). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.