FDIC Cert #58857 · Powhatan, Virginia · Est. 2009

New Horizon Bank, National Association - 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.
$251M
Total assets
C
Health grade · Fair
-1.35%
Return on assets
14.2%
Tier 1 capital

Data updated July 2026

The verdict

New Horizon Bank, National Association earns a PlainBankData health grade of C (55/100), with well-capitalized at 14.19% Tier 1, -1.35% ROA, 120% efficiency ratio.

#2,727
largest of 4,313 FDIC banks by assets
37th
percentile by asset size, nationally
14.19%
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 58857 · VA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4038/4307
  • PHOTO-FINISH Grand River Bank · MI
  • TIER1-WELL 14.2% Tier 1
  • TEXAS-CLEAN 0.8% Texas
  • ROA-LOSS -1.35% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Grand River Bank, MI (±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 New Horizon Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Foundation Bank · CA ·…55/100Grand River Bank · MI · near55/100Liberty Bank · WA · near55/100New Horizon Bank, Na… · VA ·…55/100Piermont Bank · NY · near55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around New Horizon Bank · July 2026

What New Horizon Bank's Call Report plate shows

New Horizon Bank, National Association (FDIC Cert #58857) carries a PlainBankData health grade of C at 55/100, 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 #4,038 of 4,307. Tier 1 capital prints at 14.19%, clearing the 10% well-capitalized line. The Texas Ratio is 0.78%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.35%. Balance-sheet scale is $251M, 2,727th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Grand River Bank (MI), 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 New Horizon Bank

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

New Horizon Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; New Horizon Bank, National Association remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

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

How New Horizon Bank, National Association's 55/100 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 avg77/10055/100
New Horizon Bank, National Association's composite health score
Tier 1 Capital Ratio (14.19%) 35/40
Return on Assets (ROA) (-1.35%) 0/25
Texas Ratio (0.78%) 20/20
Efficiency Ratio (119.79%) 0/15

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

Balance sheet at a glance

Total Assets

$251M

Total balance-sheet footings

Total Deposits

$205M

Customer-funded liabilities

Net Loans

$144M

Outstanding loan book

Net Income

$-2,961K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.79% 14.19% 15.59%
Basel III capital ratios - New Horizon Bank, National Association

Where New Horizon Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. New Horizon Bank, National Association's score of 55/100 falls in the highlighted band.

New Horizon Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. New 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

New Horizon Bank, National Association'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). New Horizon Bank, National Association's $251M falls in the highlighted band.

Safety ratios for New Horizon Bank

Tier 1 capital ratio
Well-capitalized 10%

14.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.19%
Texas Ratio
0.78%
Equity Capital
$34M

What these ratios mean →

Profitability metrics: New Horizon Bank

Return on Assets (ROA)
1st percentile nationally
-1.35%
Return on Equity (ROE)
-10.33%
Efficiency Ratio
119.79%

What these mean →

Income & expense: loss period at New Horizon Bank

$12M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. New Horizon Bank, National Association reports a Texas Ratio of 0.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at New Horizon Bank, National Association

New Horizon Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,961K 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 New Horizon Bank, National Association 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 New Horizon Bank, National Association on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($251M here), outside Virginia so the neighborhood is not state containment.

Wayne Bank and Trust Co. $251M · IN Main Bank $251M · NM Smackover State Bank $251M · AR Peoples Bank $251M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) New Horizon Bank, National Association (FDIC Cert #58857) - 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.

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

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
Capital One, National AssociationMclean $658.5B B 0.55%
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
Atlantic Union BankRichmond City $37.5B A 0.99%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
The First Bank and Trust CompanyLebanon $4.2B A 1.62%