Side-by-side · Q2 2026 data
Swedish-American State Bank vs Horizon Bank
Metric by metric
| Measure | Swedish-American State Bank | Horizon Bank |
|---|---|---|
| TellerScore | 83 | 87 (stronger) |
| Capital cushion | 88 | 90 (stronger) |
| Loan quality | 69 | 85 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 76 (stronger) | 59 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 73rd | 91st |
| Total assets | $55.5M | $574.3M |
| Deposits / shares | $43.7M | $474.9M |
| Capital ratio | 13.75% | 13.96% (stronger) |
| Problem loans | 0.93% | 0.46% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.05% |
| Return on assets | 1.83% | 2.95% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 84.0% |
| Uninsured deposits | 15.7% (stronger) | 30.8% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Bank has the higher TellerScore (87 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Swedish-American State Bank leads on 3 and Horizon Bank on 4. 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.