🏦Bank Scorer

HORICON BANK

HORICON, WI · Supervised by FDIC

Est. 1896FDIC #11,236RSSD: FDIC-11236
Part ofHORICON BK PROFIT SHARING&EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

326 E Lake St, HORICON, WI

County

Dodge County

Established

September 7, 1896

Total Assets

$1.7B(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

December 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.4B

Net Loans

$1.3B

Net Income

$5M

ROA

1.34%

ROE

13.06%

Risk-Based Capital

11.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate7.59%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

19

Branch Deposits

$1.3B

1-Year Change

-3

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202447482.91%7.59%
202354784.64%7.31%
202252988.66%3.40%
20211,15785.48%5.70%
20201,49183.03%7.98%
201968783.7%7.57%
201851884.36%8.11%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

10 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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