Side-by-side · Q2 2026 data
City Bank & Trust Co. vs Horizon Bank
Metric by metric
| Measure | City Bank & Trust Co. | Horizon Bank |
|---|---|---|
| TellerScore | 58 | 87 (stronger) |
| Capital cushion | 50 | 90 (stronger) |
| Loan quality | 68 | 85 (stronger) |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 41 | 59 (stronger) |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 16th | 91st |
| Total assets | $323.2M | $574.3M |
| Deposits / shares | $288.4M | $474.9M |
| Capital ratio | 10.03% | 13.96% (stronger) |
| Problem loans | 0.96% | 0.46% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 0.94% | 2.95% (stronger) |
| Loans ÷ deposits | 100.8% | 84.0% (stronger) |
| Uninsured deposits | 31.3% | 30.8% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Horizon Bank has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), City Bank & Trust Co. leads on 1 and Horizon Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.