Horizon Bank, SSB (FDIC certificate #3256) is based in Austin, Texas. Its Q2 2026 call report shows $2.6B in total assets and $2.2B in deposits and 7 offices.
Based on its Q2 2026 filing, Horizon Bank, SSB scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 203rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (40/100; 8.95%).
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 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 69 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 71 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.12% |
| Q3 2024 | 9.17% |
| Q4 2024 | 8.79% |
| Q1 2025 | 9.38% |
| Q2 2025 | 9.64% |
| Q3 2025 | 9.58% |
| Q4 2025 | 9.09% |
| Q1 2026 | 9.24% |
| Q2 2026 | 8.95% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.64% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.76% |
| Q2 2026 | 1.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $2.6B | 8.95% | 0.00% | 1.74% | 72.7% |
| Q1 2026 | 72 | $2.4B | 9.24% | 0.00% | 1.76% | 76.7% |
| Q4 2025 | 71 | $2.3B | 9.09% | 0.00% | 1.67% | 75.7% |
| Q3 2025 | 73 | $2.4B | 9.58% | 0.00% | 1.63% | 73.7% |
| Q2 2025 | 73 | $2.4B | 9.64% | 0.00% | 1.64% | 74.2% |
| Q1 2025 | 73 | $2.4B | 9.38% | 0.00% | 1.62% | 70.0% |
| Q4 2024 | 69 | $2.5B | 8.79% | 0.00% | 1.42% | 66.8% |
| Q3 2024 | 71 | $2.4B | 9.17% | 0.00% | 1.45% | 70.4% |
| Q2 2024 | 69 | $2.4B | 9.12% | 0.00% | 1.37% | 71.6% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community National BankBank Midland, TX | 70 out of 100, Strong | $2.5B | 12.7% | 1.66% | vs |
| American National Bank & TrustBank Wichita Falls, TX | 61 out of 100, Moderate | $2.5B | 10.2% | 0.88% | vs |
| Extraco Banks, National AssociationBank Temple, TX | 70 out of 100, Strong | $2.6B | 8.7% | 0.04% | vs |
| State Bank of TexasBank Irving, TX | 74 out of 100, Strong | $2.6B | 15.7% | 2.16% | vs |
| Wells Fargo Bank South Central, National AssociationBank Houston, TX | 80 out of 100, Strong | $2.6B | 29.7% | 1.24% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
Deposit insurance
Is my money safe at Horizon Bank, SSB?
Yes. Horizon Bank, SSB is an FDIC-insured institution (FDIC certificate #3256). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.6% of deposits ($1.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.24% (benchmark: 10%).
7 locations
Branches
Horizon Bank, SSB lists 6 offices in 4 cities. Most locations:
- Austin, TX (2)
- Temple, TX (2)
- Holland, TX (1)
- Salado, TX (1)
Identity & history
Profile
- Legal name
- Horizon Bank, SSB
- Former names
- First Holland Bank, SSB; The First National Bank of Holland
- Type
- SI
- FDIC certificate #
- 3256
- RSSD ID
- 703552
- Primary regulator
- FDIC
- Holding company
- Frontier Bancshares Inc
- Established
- January 1, 1905
- Headquarters
- 600 West 5th Street, Austin, TX 78701
- Website
- www.horizon.bank
- Employees
- 238
Quick answers
Horizon Bank, SSB: common questions
Is Horizon Bank, SSB FDIC insured?
Yes. Horizon Bank, SSB is an FDIC-insured institution (FDIC certificate #3256). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Horizon Bank, SSB's TellerScore?
72 out of 100 (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, SSB ever failed?
There is no failure record for FDIC certificate #3256 in the FDIC failed bank list.
How many branches does Horizon Bank, SSB have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Austin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pecu Credit UnionCredit union Austin, TX | 86 out of 100, Very strong | $431.4M | 14.8% | 0.47% | vs |
| Citizens National BankBank Cameron, TX | 86 out of 100, Very strong | $691.8M | 12.7% | 0.00% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Lcra Credit UnionCredit union Austin, TX | 83 out of 100, Strong | $20.2M | 16.0% | 0.41% | vs |
| Vatat Credit UnionCredit union Austin, TX | 82 out of 100, Strong | $11.0M | 17.9% | 0.74% | vs |
| First Texas BankBank Georgetown, TX | 80 out of 100, Strong | $1.3B | 11.2% | 0.58% | vs |