Side-by-side · Q2 2026 data
Horizon Bank vs Bank of the Valley
Metric by metric
| Measure | Horizon Bank | Bank of the Valley |
|---|---|---|
| TellerScore | 87 (stronger) | 70 |
| Capital cushion | 90 (stronger) | 49 |
| Loan quality | 85 | 98 (stronger) |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 59 | 68 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 91st | 43rd |
| Total assets | $574.3M | $581.9M |
| Deposits / shares | $474.9M | $490.8M |
| Capital ratio | 13.96% (stronger) | 9.87% |
| Problem loans | 0.46% | 0.05% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.95% (stronger) | 0.87% |
| Loans ÷ deposits | 84.0% (stronger) | 91.8% |
| Uninsured deposits | 30.8% | 13.0% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Bank has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 4 and Bank of the Valley on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.