Side-by-side · Q2 2026 data
Horizon Financial Bank vs Bravera Bank
Metric by metric
| Measure | Horizon Financial Bank | Bravera Bank |
|---|---|---|
| TellerScore | 61 | 67 (stronger) |
| Capital cushion | 58 (stronger) | 47 |
| Loan quality | 55 | 70 (stronger) |
| Earnings | 59 | 75 (stronger) |
| Funding & liquidity | 63 | 75 (stronger) |
| Problem-loan coverage | 82 | 88 (stronger) |
| Peer percentile | 20th | 44th |
| Total assets | $201.0M | $3.8B |
| Deposits / shares | $178.5M | $3.3B |
| Capital ratio | 10.78% (stronger) | 9.73% |
| Problem loans | 1.34% | 0.90% (stronger) |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 0.97% | 1.37% (stronger) |
| Loans ÷ deposits | 83.5% | 82.2% (stronger) |
| Uninsured deposits | 27.6% | 17.6% (stronger) |
| Offices | 5 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
Bravera Bank has the higher TellerScore (67 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Horizon Financial Bank leads on 1 and Bravera Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.