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Overview / Commentary
225 N. Lake Havasu Ave.
Lake Havasu City, AZ 86403

Horizon Community Bank is headquartered in Lake Havasu City and is the 12st largest bank in the state of Arizona. It is also the 3,381st largest bank in the nation. It was established in 2002 and as of March of 2014, it had grown to 58 employees at 4 locations. Horizon Community Bank has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Horizon Community Bank had $6.93 million in non-current loans and owned real-estate with $16.1 million in equity and loan loss allowances on hand to cover it. This gives Horizon Community Bank a Texas Ratio of 43.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Horizon Community Bank decreased slightly from 60.31% as of March 31, 2013 to 43.06% as of March 31, 2014, resulting in a positive change of 28.60%.This indicates that the balance sheet and financial strength for Horizon Community Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Horizon Community Bank has decreased its total deposits by -$1.05 million, resulting in -0.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Horizon Community Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Horizon Community Bank has $172.3 million in assets with $16.1 million in equity, resulting in a capitalization level of 9.34%, which is average.

Institution Statistics

FDIC Certificate #57411
Year Established2002
Primary RegulatorFDIC
Assets and Liabilities
Assets$172.30 million
Loans$115.05 million
Deposits$153.32 million
Equity Capital$13.80 million
Loan Loss Allowance$2.30 million
Unbacked Noncurrent Loans$2.27 million
Real Estate Owned$4.66 million
Historic Data - March 2013
Assets$171.21 million
Equity Capital$13.20 million
Loan Loss Allowance$2.11 million
Unbacked Noncurrent Loans$2.27 million
Real Estate Owned$6.00 million
Profit Margin - Quarterly
Return on Assets0.4%
Return on Equity4.94%
Interest Income$1.70 million

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Horizon Community Bank Savings Account Rates

0.05%$50-Student Savings
0.05%$100-Statement Savings

Horizon Community Bank Money Market Rates

0.30%$100k-Money Market Account

Horizon Community Bank Checking Account Rates

0.90%-$25kStar Checking - Qualifying
0.10%--Star Checking - Non Qualifying
0.05%$100-Personal NOW Checking
0.05%$100-Senior Class Checking

Horizon Community Bank CD Rates

1.86%$100k-5 Year CD
1.15%$100k-4 Year CD
0.75%$100k-5 Year Variable CD
0.65%$100k-3 Year CD
0.50%$100k-2 Year CD
0.50%$100k-4 Year Variable CD
0.45%$100k-1 Year CD
0.40%$100k-18 Month CD
0.35%$100k-180 - 364 Day CD
0.25%$100k-3 Year Variable CD
0.25%$10k-10 Month CD Special
0.10%$1k-90 - 179 Day CD
0.05%$1k-7 - 30 Day CD
0.05%$1k-31 - 89 Day CD

Horizon Community Bank Locations
Parker Branch1017 California AvenueParker, AZ 85344
Quartzsite Branch225 N. Central BoulevardQuartzsite, AZ 85346
Horizon Community Bank225 North Lake Havasu AvenueLake Havasu City, AZ 86403
Ft. Mohave Office5858 S. Highway 95Mohave Valley, AZ 86440