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 Horizon Financial Bank
Horizon Financial Bank
| RSSD ID 877350 | CERTIFICATE 15598 | ABA NUMBER 91302762 |
| 416 Main St |
Quarter Ended : |
2025-12-31 |
| Munich, North Dakota, 58352 |
Updated : |
2026-01-26 |
| www.HorizonFinancialBank.com |
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| Institution Profile |
| Year Opened : |
1905 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
5 |
Number of Employees : |
32 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 206,010 |
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Total Interest Income | 11,021 |
| Total Liabilities | 183,601 |
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Total NonInterest Income | 378 |
| Total Bank Equity Capital | 22,409 |
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Total Interest Expense | 4,093 |
| Total Deposits | 176,827 |
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Total NonInterest Expense | 4,528 |
| Net Loans & Leases | 157,046 |
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Net Income | 2,114 |
| Loan Loss Allowance | 1,667 |
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Net Charge Offs | (3) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 146,821 |
| Total assets for the leverage ratio | 201,806 |
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Loans secured by real estate: | 55,789 |
| Tier 1 Leverage Ratio | 11.33 |
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Commercial and industrial loans | 11,117 |
| Off Balance Sheet Exposures (%) | 0.68 |
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Loans to individuals - Credit Cards | 104 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 3,540 |
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:· Horizon Financial Bank
