Horizon Bank (FDIC certificate #14327) is based in Waverly, Nebraska. Its Q2 2026 call report shows $574.3M in total assets and $474.9M in deposits and 5 offices.
Horizon Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 22nd. Earnings contributes the most (100/100, 2.95%); funding & liquidity contributes the least (59/100, 84% loans-to-deposits, 31% uninsured).
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
From Q2 2025 to Q2 2026, the score rose 8 points (79 → 87), mostly because the loan quality component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 80 |
| Q4 2024 | 78 |
| Q1 2025 | 79 |
| Q2 2025 | 79 |
| Q3 2025 | 86 |
| Q4 2025 | 83 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.89% |
| Q3 2024 | 14.01% |
| Q4 2024 | 13.74% |
| Q1 2025 | 14.16% |
| Q2 2025 | 14.04% |
| Q3 2025 | 14.42% |
| Q4 2025 | 13.74% |
| Q1 2026 | 14.26% |
| Q2 2026 | 13.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.33% |
| Q1 2025 | 1.30% |
| Q2 2025 | 1.28% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.57% |
| Q3 2024 | 2.49% |
| Q4 2024 | 2.30% |
| Q1 2025 | 2.39% |
| Q2 2025 | 2.63% |
| Q3 2025 | 2.76% |
| Q4 2025 | 2.76% |
| Q1 2026 | 2.87% |
| Q2 2026 | 2.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $574.3M | 13.96% | 0.46% | 2.95% | 84.0% |
| Q1 2026 | 87 | $539.2M | 14.26% | 0.45% | 2.87% | 92.3% |
| Q4 2025 | 83 | $511.6M | 13.74% | 0.74% | 2.76% | 95.1% |
| Q3 2025 | 86 | $512.0M | 14.42% | 0.57% | 2.76% | 96.6% |
| Q2 2025 | 79 | $495.4M | 14.04% | 1.28% | 2.63% | 92.6% |
| Q1 2025 | 79 | $472.6M | 14.16% | 1.30% | 2.39% | 96.9% |
| Q4 2024 | 78 | $459.2M | 13.74% | 1.33% | 2.30% | 96.4% |
| Q3 2024 | 80 | $465.4M | 14.01% | 1.10% | 2.49% | 98.0% |
| Q2 2024 | 82 | $464.6M | 13.89% | 0.92% | 2.57% | 97.9% |
2,650 peers · $100 million – $1 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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Enterprise BankBank Omaha, NE | 70 out of 100, Strong | $574.0M | 11.1% | 0.00% | vs |
| RVR BankBank Fremont, NE | 78 out of 100, Strong | $570.2M | 9.8% | 0.16% | vs |
| Bank of the ValleyBank Bellwood, NE | 70 out of 100, Strong | $581.9M | 9.9% | 0.05% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Riverstone BankBank Eagle, NE | 76 out of 100, Strong | $593.4M | 9.7% | 0.05% | vs |
| Mnb BankBank Mccook, NE | 75 out of 100, Strong | $594.1M | 11.1% | 0.15% | vs |
Deposit insurance
Is my money safe at Horizon Bank?
Yes. Horizon Bank is an FDIC-insured institution (FDIC certificate #14327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($146.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.80% (benchmark: 10%).
5 locations
Branches
Horizon Bank lists 4 offices in 4 cities. Most locations:
- Mccook, NE (1)
- Springfield, NE (1)
- Superior, NE (1)
- Waverly, NE (1)
Identity & history
Profile
- Legal name
- Horizon Bank
- Former names
- Lancaster County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14327
- RSSD ID
- 663955
- Primary regulator
- FDIC
- Established
- February 18, 1907
- Headquarters
- 10841 N 142nd St, Waverly, NE 68462
- Website
- www.horizonbankne.com
- Employees
- 33
Quick answers
Horizon Bank: common questions
Is Horizon Bank FDIC insured?
Yes. Horizon Bank is an FDIC-insured institution (FDIC certificate #14327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Horizon Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Horizon Bank ever failed?
There is no failure record for FDIC certificate #14327 in the FDIC failed bank list.
How many branches does Horizon Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waverly
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CerescoBankBank Ceresco, NE | 92 out of 100, Very strong | $81.3M | 13.9% | 0.06% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| Nebraska State Employees Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $36.8M | 14.0% | 0.11% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |