This institution is no longer active

Operations ceased on April 16, 1995. CRA examination history below reflects the period it was active.

HORIZON BANK AND TRUST

CONCORD, NH · Supervised by FDIC

Est. 1989FDIC #27,441RSSD: FDIC-27441

Part ofHORIZON BANKS INC→ View all charters

Satisfactory Down

Current rating · Exam: January 1994

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.46%

Institution Profile

FDIC BankFind

Address

195-197 Loudon Road, CONCORD, NH

County

Merrimack County

Established

January 30, 1989

Total Assets

$50M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1995Call Report / FDIC

Total Assets

$50M

Total Deposits

$43M

Net Loans

$38M

Net Income

$-432K

ROA

-3.46%

ROE

-43.98%

Risk-Based Capital

10.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/f4436823-9141-4e99-8a57-1034bc37bb49"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: