Horizon Bank: how it compares with its peers
Against 47 NE banks with half to twice its assets, Horizon Bank's strongest measure in Q2 2026 is return on assets (2.95% vs. a 1.33% peer median). Its weakest relative measure is assets per employee ($17.4M vs. $7.9M).
| Measure | Horizon Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.95% | 1.33% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.12% | 3.80% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 26.23% | 59.58% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.4M | $7.9M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.04% | 86.18% | Context |
What it means for lending operations
Its efficiency ratio of 26.23% is better than the 59.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Enterprise Bank Omaha, NE · $574M
- RVR Bank Fremont, NE · $570M
- Bank of the Valley Bellwood, NE · $582M
- Home Federal Savings and Loan Association of Grand Island Grand Island, NE · $563M
- Riverstone Bank Eagle, NE · $593M
- MNB BANK Mccook, NE · $594M
Questions about Horizon Bank
How big is Horizon Bank?
Horizon Bank, established in 1907, is headquartered in Waverly, NE. It reported $574M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Horizon Bank's return on assets?
2.95% annualized in Q2 2026, against a 1.33% median for 47 NE banks with half to twice its assets, ahead of 100% of them.
What is Horizon Bank's efficiency ratio?
26.23% in Q2 2026: it spent about 26 cents in noninterest expense for each dollar of revenue. The peer median is 59.58%, and lower is better.
Is Horizon Bank growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 16.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.