🏦Bank Scorer

HORIZON BANK

WAVERLY, NE · Supervised by FDIC

Est. 1907FDIC #14,327RSSD: FDIC-14327
Needs to Improve Down

Current rating · Exam: October 2024

CompareWatch

At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Consumer Complaints (12 mo)

7

12.98 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 2.87%

Institution Profile

FDIC BankFind

Address

10841 N 142nd St, WAVERLY, NE

County

Lancaster County

Established

February 18, 1907

Total Assets

$539M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

October 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$539M

Total Deposits

$446M

Net Loans

$411M

Net Income

$4M

ROA

2.87%

ROE

19.19%

Risk-Based Capital

15.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Complaints / $B12.98Peer avg: 411.37▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$410M

1-Year Change

0

5-year net change: +1 branches

Consumer Complaints

CFPB · through May 2026

Last 12 Months

7

All Time

40

Monetary Relief

2.5%

Untimely Response

0%

Most common complaint type: Checking or savings account· 12.98 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
June 202400
July 202400
August 202400
September 202410
October 202410
November 202400
December 202400
January 202500
February 202500
March 202500
April 202500
May 202500
June 202500
July 202500
August 202500
September 202500
October 202511
November 202510
December 202500
January 202600
February 202600
March 202620
April 202620
May 202610

Data through May 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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