Headquartered in Horicon, Wisconsin, Horicon Bank is a state-chartered bank with $1.7B in total assets and $1.4B in deposits as of Q2 2026. It operates 19 offices. Its charter dates back to 1896.
Horicon Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 122nd. Problem-loan coverage contributes the most (86/100, 6.8%); capital cushion contributes the least (47/100, 9.72%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 63).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 55 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 63 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.01% |
| Q3 2024 | 8.97% |
| Q4 2024 | 8.95% |
| Q1 2025 | 9.23% |
| Q2 2025 | 9.63% |
| Q3 2025 | 9.68% |
| Q4 2025 | 9.67% |
| Q1 2026 | 9.81% |
| Q2 2026 | 9.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.96% |
| Q2 2026 | 0.93% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.06% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $1.7B | 9.72% | 0.93% | 1.42% | 95.5% |
| Q1 2026 | 63 | $1.7B | 9.81% | 0.96% | 1.34% | 93.5% |
| Q4 2025 | 63 | $1.6B | 9.67% | 0.77% | 1.17% | 95.6% |
| Q3 2025 | 63 | $1.6B | 9.68% | 0.80% | 1.11% | 94.1% |
| Q2 2025 | 62 | $1.5B | 9.63% | 0.85% | 1.04% | 94.8% |
| Q1 2025 | 55 | $1.5B | 9.23% | 0.71% | 0.06% | 90.7% |
| Q4 2024 | 61 | $1.6B | 8.95% | 0.67% | 0.89% | 90.1% |
| Q3 2024 | 61 | $1.6B | 8.97% | 0.69% | 0.86% | 89.9% |
| Q2 2024 | 60 | $1.5B | 9.01% | 0.65% | 0.71% | 91.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Waukesha State BankBank Waukesha, WI | 80 out of 100, Strong | $1.6B | 11.5% | 0.25% | vs |
| The Park BankBank Madison, WI | 64 out of 100, Moderate | $1.5B | 10.7% | 0.24% | vs |
| Peoples State BankBank Wausau, WI | 56 out of 100, Moderate | $1.5B | 10.2% | 1.40% | vs |
| CCFBank National AssociationBank Altoona, WI | 50 out of 100, Below average | $1.8B | 11.2% | 2.28% | vs |
| Bankers' BankBank Madison, WI | 69 out of 100, Moderate | $1.5B | 14.7% | 0.55% | vs |
| Tri City National BankBank Oak Creek, WI | 71 out of 100, Strong | $2.0B | 11.1% | 0.51% | vs |
Deposit insurance
Is my money safe at Horicon Bank?
Yes. Horicon Bank is an FDIC-insured institution (FDIC certificate #11236). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.3% of deposits ($373.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.06% (benchmark: 10%).
19 locations
Branches
Horicon Bank lists 19 offices in 18 cities. Most locations:
- Fond Du Lac, WI (2)
- Appleton, WI (1)
- Beaver Dam, WI (1)
- Grafton, WI (1)
- Green Lake, WI (1)
- Horicon, WI (1)
- Iron Ridge, WI (1)
- Markesan, WI (1)
- Mayville, WI (1)
- Menomonee Falls, WI (1)
- Neosho, WI (1)
- New Berlin, WI (1)
HMDA 2025
Mortgage lending
In 2025, Horicon Bank reported 510 home-loan applications under HMDA (LEI 549300GIXEN5875K5W17): 424 originated ($98,920,000 total), 33 denied, and 49 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Horicon Bank
- Former names
- Horicon State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11236
- RSSD ID
- 528849
- Primary regulator
- FDIC
- Holding company
- Horicon Bk Profit Sharing&employee Stk Ownership Plan
- Established
- September 7, 1896
- Headquarters
- 326 E Lake St, Horicon, WI 53032
- Website
- www.horiconbank.com
- Employees
- 222
Quick answers
Horicon Bank: common questions
Is Horicon Bank FDIC insured?
Yes. Horicon Bank is an FDIC-insured institution (FDIC certificate #11236). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Horicon Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Horicon Bank ever failed?
There is no failure record for FDIC certificate #11236 in the FDIC failed bank list.
How many branches does Horicon Bank have?
19 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Horicon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Mayville Savings BankBank Mayville, WI | 86 out of 100, Very strong | $84.2M | 13.4% | 0.32% | vs |
| Hustisford State BankBank Hustisford, WI | 84 out of 100, Strong | $80.3M | 15.2% | 0.22% | vs |
| Fox Valley Savings BankBank Fond Du Lac, WI | 79 out of 100, Strong | $387.3M | 15.4% | 0.33% | vs |
| Farmers and Merchants Union BankBank Columbus, WI | 78 out of 100, Strong | $872.1M | 10.0% | 0.15% | vs |
| Bank of Lake MillsBank Lake Mills, WI | 74 out of 100, Strong | $533.8M | 11.2% | 0.69% | vs |