Horizon Bank, SSB

Headquarters: Austin, Texas
Charter: Bank
Assets: $2.6B
Fed district: Dallas
Regulator: FDIC
Holding company: Frontier Bancshares Inc.

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 13, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 13, 2026

How these figures are measured

Call-report figures are for Horizon Bank, SSB at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Horizon Bank, SSB's published fee schedule; Bank Fee Index medians	Current schedule	Oct 13, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Horizon Bank, SSB (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $453K in Q2 2026, 3.0% above the same quarter a year earlier ($440K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $7, the middle of its prices
Horizon Bank, SSB: $0 to $10
Horizon Bank, SSB: $0 to $10
U.S. median: no median
Overdraft (OD)
Horizon Bank, SSB: $35
Horizon Bank, SSB: $35
U.S. median: no median
NSF / Returned Item
Horizon Bank, SSB: $35
Horizon Bank, SSB: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.0% from Q3 2025 to Q2 2026, to $453K.

Service-charge income, Q2 2026

$453K

$482KQ3 2025

$520KQ4 2025

$538KQ1 2026

$453KQ2 2026

Against the median

Horizon Bank, SSBMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Horizon Bank, SSB · $2.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$2.4B to $2.7B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Horizon Bank, SSB(this institution)	Austin, TX	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coastal States Bank	Hilton Head Island, SC	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cogent Bank	Orlando, FL	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community National Bank & Trust	Chanute, KS	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cornerstone Bank	Spencer, MA	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
El Dorado Savings Bank, F.S.B.	Placerville, CA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Extraco Banks, National Association	Temple, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FCB Banks	Collinsville, IL	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fidelity Bank & Trust	Dubuque, IA	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First County Bank	Stamford, CT	$2.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank	Paragould, AR	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First United Bank	Dimmitt, TX	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
INB, National Association	Springfield, IL	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
John Marshall Bank	Reston, VA	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
KS StateBank	Manhattan, KS	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Machias Savings Bank	Machias, ME	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meridian Bank	Wayne, PA	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Shore Bank	Brookfield, WI	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
One Community Bank	Oregon, WI	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank	Bellingham, WA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
South Shore Bank	South Weymouth, MA	$2.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
TexasBank	Brownwood, TX	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Ephrata National Bank	Ephrata, PA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Traditional Bank, Inc.	Mount Sterling, KY	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Bank of Iowa	Ida Grove, IA	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wells Fargo Bank South Central, National Association	Houston, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (13%) below the median of similar-sized banks.

Compared at $7, the middle of its four prices, against a peer median of $8 among 13 publishing peers.

Its four checking prices are $0, $5, $7 and $10.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Horizon Bank, SSB: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Horizon Bank, SSB (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $453K
vs prior quarter: −$85K−15.8%; from Q1 2026
vs a year earlier: +$13K+3.0%; from Q2 2025
vs start of range: −$179K−28.3%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Horizon Bank, SSB (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$453K	−$85K	−15.8%
Q1 2026	$538K	+$18K	+3.5%
Q4 2025	$520K	+$38K	+7.9%
Q3 2025	$482K	+$42K	+9.5%
Q2 2025	$440K	−$20K	−4.3%
Q1 2025	$460K	+$17K	+3.8%
Q4 2024	$443K	−$189K	−29.9%
Q3 2024	$632K	+$292K	+85.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Horizon Bank, SSB’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$7
per month
Monthly Maintenance$10
per month
Monthly Maintenance$5
per month
Personal Checking monthly maintenance feeNo charge
per month

Overdraft & NSF

Overdraft Fee$35
per item
Returned Item Fee$35
per item
OD Protection TransferNo charge
per item

ATM & Card

Debit Card Replacement Fee per issuance$10
1% of Transaction Amount Cross Border Pass Thru fee1%of the transaction
1% of Transaction Amount Currency Conversion Pass Thru fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wires – Outgoing per item$30
per item
Wires – Incoming per itemNo charge
per item
Wires – International Outgoing per item$50
per item
Wires – International Incoming per item$15
per item

Check Services

Stop Payment Fee per item$35
per item
Collection Fees (Incoming/Outgoing) per item on collection services for negotiable instruments that cannot be processed$10
per item

Account Services

Notary Service for customers onlyNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$7	per month	None
Monthly Maintenance	$10	per month	None
Monthly Maintenance	$5	per month	None
Personal Checking monthly maintenance fee	No charge	per month	None
Overdraft & NSF
Overdraft Fee	$35	per item	None
Returned Item Fee	$35	per item	None
OD Protection Transfer	No charge	per item	None
ATM & Card
Debit Card Replacement Fee per issuance	$10	Not stated	None
1% of Transaction Amount Cross Border Pass Thru fee	1%of the transaction	Not stated	None
1% of Transaction Amount Currency Conversion Pass Thru fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wires – Outgoing per item	$30	per item	None
Wires – Incoming per item	No charge	per item	None
Wires – International Outgoing per item	$50	per item	None
Wires – International Incoming per item	$15	per item	None
Check Services
Stop Payment Fee per item	$35	per item	None
Collection Fees (Incoming/Outgoing) per item on collection services for negotiable instruments that cannot be processed	$10	per item	None
Account Services
Notary Service for customers only	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 13, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Horizon Bank, SSB operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve and Texas Department of Banking

The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Horizon Bank, SSB's wire transfer changes in our data

We check once a day and send one email covering every change.