Side-by-side · Q2 2026 data
Horizon Bank vs Madison County Bank
Metric by metric
| Measure | Horizon Bank | Madison County Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 85 |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 85 | 88 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 59 (stronger) | 56 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 91st | 88th |
| Total assets | $574.3M | $613.2M |
| Deposits / shares | $474.9M | $479.2M |
| Capital ratio | 13.96% | 15.11% (stronger) |
| Problem loans | 0.46% | 0.37% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.95% (stronger) | 1.33% |
| Loans ÷ deposits | 84.0% (stronger) | 94.9% |
| Uninsured deposits | 30.8% | 23.4% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Bank has the higher TellerScore (87 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 3 and Madison County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.