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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Horizon Bank SSB

Austin, Texas · $2.55B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

8.0%
Equity / assets
12th of 12
0.00%
NPA / loans
1st of 12
74.0%
Loans / deposits
5th of 12

Horizon Bank SSB is the sixth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.55B in assets at 30 June 2026. Loans are 74.0% of deposits, 5th of 12 against a median of 83.7%, and equity is 8.0% of assets, the lowest in the cohort. Loans grew +6.1% in the year, 5th of 12, and deposits grew 8.3%; the cohort's median loan growth is +4.1%.

Nothing on the book is noncurrent; 0.02% is 30 to 89 days past due, and the allowance is 1.7% of loans, 2nd of 12. Commercial real estate is 38.0% of loans, 6th of 12 against a median of 40.7%, and 254% of capital, below the 300% screen, with construction at 52% against the 100% screen.

Return on assets is 1.72%, 5th of 12 against a median of 1.67%, on an efficiency ratio of 52.6%, 6th of 12. Five years ago it was 1.64%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.64% HB Horizon Bank SSB 0.00% EB Extraco Banks National Association 0.04% PB Pinnacle Bank 0.13% TF Texas First Bank 0.17% FU First United Bank 0.41% T Texasbank 0.41% AN American National Bank & Trust 0.88% WF Wells Fargo Bank S Central N.A. 1.24% CN Community National Bank 1.66% SB State Bank of Texas 2.16% GB Golden Bank National Association 2.16% AM American Momentum Bank 3.52%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.1% T Texasbank +9.2% GB Golden Bank National Association +9.0% AN American National Bank & Trust +8.0% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

Horizon Bank SSB is the 66th largest 7(a) lender into Texas of 706, with $159M across 339 loans, 0.4% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 13 of its 18 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Travis, TX$115M6th of 2394.5%-2.0 pts
Williamson, TX$15M17th of 1811.3%+0.2 pts
Bell, TX$7M10th of 1212.4%+0.5 pts
Bastrop, TX$6M2nd of 626.8%quiet FY2020
Comal, TX$4M19th of 981.5%quiet FY2019
Hays, TX$4M29th of 1231.0%quiet FY2021
Dallas, TX$2M184th of 3140.0%thin
East Baton Rouge, LA$2M60th of 1170.4%quiet FY2012
Bexar, TX$2M156th of 2370.1%quiet FY2010
Orleans, LA$1M43rd of 850.3%quiet FY2020
Blanco, TX$1M9th of 243.4%quiet FY2013
Ward, ND$650K20th of 301.4%quiet FY2012
Gillespie, TX$581K19th of 301.3%quiet FY2016
5 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services74$33M20.5%0.04%285th of 2,596
Retail trade57$28M17.4%0.05%267th of 2,589
Other services34$18M11.3%0.05%248th of 2,248
Professional & technical services37$14M8.8%0.04%234th of 1,955
Health care & social assistance25$12M7.5%0.03%345th of 2,172
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Horizon Bank SSB
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans HB Horizon Bank SSB 0.4% $159M · 339 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Horizon Bank SSBRankCohort median
Total CRE against capital, the 300% screen254%8th of 12235%
Construction against capital, the 100% screen52%5th of 1265%
Construction and land development, share of loans7.7%4th of 1212.1%
Non-owner-occupied nonfarm nonresidential, share of loans26.7%8th of 1220.6%
Total CRE, the guidance definition, share of loans38.0%6th of 1240.7%
CRE growth over 36 months, the third prong+7.3%4th of 12+20.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Golden Bank National Association$2.28B1.6%41.9%2.16%-0.05%1.3%101.2%13.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Horizon Bank SSBCohort median
20212026Change20212026Change
Loans$1.12B$1.63B+46%$1.01B$1.81B+80%
Deposits$1.79B$2.21B+23%$1.51B$2.14B+41%
NPA / loans0.15%0.00%-0.15 pts0.26%0.64%+0.39 pts
Efficiency52.0%52.6%+0.6 pts56.3%52.7%-3.7 pts
ROA1.64%1.72%+0.08 pts1.39%1.67%+0.27 pts

This read was prepared for Horizon Bank SSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Horizon Bank SSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.horizon.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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