Horizon Bank
Waverly, Nebraska, Lancaster County
$574M in total assets, the 1,640th largest of 4,309 US banks and 35th of 139 headquartered in Nebraska.
- FDIC certificate
- 14327
- Established
- 1907
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- www.horizonbankne.com
At a glance
Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $574M | 85% | $293M | |
| Loans | $403M | 81% | $217M | |
| Deposits | $475M | 81% | $241M | |
| Return on assets | 2.90% | 98% | 1.32% | |
| Net interest margin | 5.12% | 98% | 3.93% | |
| Efficiency ratio | 26.2% | 2% | 57.9% | |
| Equity to assets | 14.62% | 90% | 11.03% | |
| Loans to deposits | 85% | 41% | 87% |
Growth
Total assets grew 10.3% a year over the last 5 years and 8.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2022 | Springfield State Bank Springfield, NE | $84M |
Where they operate
5 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lancaster County, NE | $246M | 1.7% | 11 of 31 |
| Sarpy County, NE | $164M | 4.8% | 7 of 21 |
| Nuckolls County, NE | $35M | 18.0% | 4 of 5 |
| Red Willow County, NE | $30M | 4.7% | 4 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (4 to 5, +25.0%). 0 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2022 | Acquired Springfield State Bank | 1 | 0 | +1 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Construction and land | 42% | 7% | |
| Multifamily | 34% | 3% | |
| 1-4 family residential | 13% | 16% | |
| Business (C&I) | 3% | 11% | |
| Commercial real estate | 3% | 17% | |
| Farmland | 2% | 21% | |
| Consumer | 2% | 2% | |
| Agricultural | 1% | 23% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 70% | 46% | |
| Time deposits | 24% | 37% | |
| Noninterest-bearing | 6% | 17% |
Brokered deposits are 8.3% of deposits (peers 4.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.46% | 0.20% |
| Net charge-offs, annualized | 0.05% | 0.00% |
| Reserves to loans | 0.94% | 1.27% |
| Leverage ratio | 13.96% | 11.19% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Lancaster County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/horizon-bank-waverly-ne