Horizon Financial Bank

BankMunich, North Dakota
http://www.HorizonFinancialBank.com

Total Assets

$206.0M

Total Deposits

$176.8M

Branches

5

Established

1905

TFS Health Grade

$
D+

69.5 / 100

Below average financial health

How we grade

Horizon Financial Bank is a bank headquartered in Munich, North Dakota, established in 1905. With $206.0M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (69.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.33%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.63%

Profitability

Return on Assets (ROA)
1.05%(1%)
Return on Equity (ROE)
9.95%(10%)
Net Interest Margin
3.78%
Efficiency Ratio
61.98%(60%)

Lending & Liquidity

Total Loans
$158.7M
Loan-to-Deposit Ratio
88.81%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+5.03%
Deposit Growth (YoY)
+3.41%
Net Income
$2.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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