This institution is no longer active

Operations ceased on March 12, 1997. CRA examination history below reflects the period it was active.

HORIZON BANK & TRUST, SSB

AUSTIN, TX · Supervised by FDIC

Est. 1987FDIC #32,373RSSD: FDIC-32373

Outstanding

Current rating · Exam: March 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.68%

Is this bank safe?

HORIZON BANK & TRUST, SSB earned an Outstanding CRA rating (1996), meets basic financial requirements (ROA +0.68%).

Institution Profile

FDIC BankFind

Address

5800 North Mopac Boulevard, AUSTIN, TX

County

Travis County

Established

May 1, 1987

Total Assets

$162M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 Q4 1996Call Report / FDIC

Total Assets

$162M

Total Deposits

$150M

Net Loans

$111M

Net Income

$961K

ROA

0.68%

Above avg for Small banks. Peer avg: 0.44%

ROE

9.08%

Risk-Based Capital

10.94%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.68%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.94%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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