Horizon Bank, SSB: how it compares with its peers
Against 54 TX banks with half to twice its assets, Horizon Bank, SSB's strongest measure in Q2 2026 is assets per employee ($10.7M vs. a $8.7M peer median). Its weakest relative measure is net interest margin (4.08% vs. 3.89%).
| Measure | Horizon Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.74% | 1.58% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.08% | 3.89% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.57% | 55.87% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $8.7M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.74% | 78.76% | Context |
What it means for lending operations
Its efficiency ratio of 52.57% is better than the 55.87% 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
- Community National Bank Midland, TX · $2.54B
- American National Bank & Trust Wichita Falls, TX · $2.54B
- Extraco Banks, National Association Temple, TX · $2.57B
- State Bank of Texas Irving, TX · $2.59B
- Wells Fargo Bank South Central, National Association Houston, TX · $2.59B
- TexasBank Fort Worth, TX · $2.48B
Questions about Horizon Bank, SSB
How big is Horizon Bank, SSB?
Horizon Bank, SSB, established in 1905, is headquartered in Austin, TX. It reported $2.55B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Horizon Bank, SSB's return on assets?
1.74% annualized in Q2 2026, against a 1.58% median for 54 TX banks with half to twice its assets, ahead of 67% of them.
What is Horizon Bank, SSB's efficiency ratio?
52.57% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 55.87%, and lower is better.
Is Horizon Bank, SSB growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 8.3%.
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 TX 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 Texas bank ranked.