FDIC Cert #4360 · Michigan City, Indiana · Est. 1873

Horizon Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$6.4B
Total assets
C
Health grade · Fair
-1.96%
Return on assets
12.0%
Tier 1 capital

Data updated July 2026

The verdict

Horizon Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 11.99% Tier 1, -1.96% ROA, efficient (59% cost ratio).

#238
largest of 4,313 FDIC banks by assets
95th
percentile by asset size, nationally
11.99%
Tier 1 ratio - above the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 4360 · IN C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3754/4307
  • PHOTO-FINISH First Bethany Bank &… · OK
  • TIER1-WELL 12.0% Tier 1
  • TEXAS-CLEAN 4.3% Texas
  • ROA-LOSS -1.96% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: First Bethany Bank & Trust, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Horizon Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bethany Bank &… · OK ·…60/100Horizon Bank · IN · this bank60/100Simmons Bank · AR · near60/100SNB Bank, National A… · OK ·…60/100Vista National Bank… · KS · …60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Horizon Bank · July 2026

What Horizon Bank's Call Report plate shows

Horizon Bank (FDIC Cert #4360) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,754 of 4,307. Tier 1 capital prints at 11.99%, clearing the 10% well-capitalized line. The Texas Ratio is 4.26%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.96%. Balance-sheet scale is $6.4B, 238th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Bethany Bank & Trust (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Horizon Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Horizon Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Horizon Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Horizon Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Horizon Bank's composite health score
Tier 1 Capital Ratio (11.99%) 28/40
Return on Assets (ROA) (-1.96%) 0/25
Texas Ratio (4.26%) 20/20
Efficiency Ratio (58.87%) 12/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$6.4B

Total balance-sheet footings

Total Deposits

$5.4B

Customer-funded liabilities

Net Loans

$4.8B

Outstanding loan book

Net Income

$-141,243K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.59% 11.99% 13.39%
Basel III capital ratios - Horizon Bank

Where Horizon Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Horizon Bank's score of 60/100 falls in the highlighted band.

Horizon Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Horizon Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Horizon Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Horizon Bank's $6.4B falls in the highlighted band.

Safety ratios for Horizon Bank

Tier 1 capital ratio
Well-capitalized 10%

11.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.99%
Texas Ratio
4.26%
Equity Capital
$769M

What these ratios mean →

Profitability metrics: Horizon Bank

Return on Assets (ROA)
1st percentile nationally
-1.96%
Return on Equity (ROE)
-17.86%
Efficiency Ratio
58.87%

What these mean →

Income & expense: loss period at Horizon Bank

$363M
Interest Income
$43M
Non-Interest Income
$169M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Horizon Bank reports a Texas Ratio of 4.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Horizon Bank

Horizon Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-141,243K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Horizon Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Horizon Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($6.4B here), outside Indiana so the neighborhood is not state containment.

Bessemer Trust Company $6.4B · NY TrustCo Bank $6.4B · NY TBK BANK, SSB $6.4B · TX Equity Bank $6.3B · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Horizon Bank (FDIC Cert #4360) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Horizon Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
United Fidelity Bank, fsbEvansville $6.3B D -0.09%