Side-by-side · Q2 2026 data
Horizon Bank, SSB vs American National Bank & Trust
Metric by metric
| Measure | Horizon Bank, SSB | American National Bank & Trust |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 40 | 52 (stronger) |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 90 (stronger) | 59 |
| Funding & liquidity | 48 | 48 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 66th | 24th |
| Total assets | $2.6B | $2.5B |
| Deposits / shares | $2.2B | $2.2B |
| Capital ratio | 8.95% | 10.18% (stronger) |
| Problem loans | 0.00% (stronger) | 0.88% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 0.99% |
| Loans ÷ deposits | 72.7% (stronger) | 84.8% |
| Uninsured deposits | 50.6% | 39.3% (stronger) |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.4% |
Horizon Bank, SSB has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank, SSB leads on 4 and American National Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.