Horizon Financial Bank is a bank based in Munich, North Dakota, established in 1905, with $202 million in total assets across 5 branches. By Trust Grade it ranks 23rd of 60 banks we track in North Dakota. Its capital ratio of 10.2% is stronger than 52% of similarly sized banks, versus a North Dakota median of 9.5%. It was profitable over the most recent period, with a 0.92% return on assets. No consumer complaints against Horizon Financial Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Horizon Financial Bank compares to North Dakota peers
How we graded Horizon Financial Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.2% capital ratio)
- Profitable (ROA 0.92%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Horizon Financial Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 329 Broadway, Osnabrock, ND 58269
- 205 Highway 2 W, Devils Lake, ND 58301
- 1207 W Divide Ave, Bismarck, ND 58501
- 102 9th Ave E, Langdon, ND 58249
- 416 Main St, Munich, ND 58352
Are deposits at Horizon Financial Bank insured?
Yes. Horizon Financial Bank is an FDIC-insured bank (FDIC certificate #15598). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Horizon Financial Bank: frequently asked questions
Is Horizon Financial Bank a good bank?
Horizon Financial Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (10.2% capital ratio); Profitable (ROA 0.92%).
Is Horizon Financial Bank FDIC-insured?
Yes. Horizon Financial Bank is a FDIC-insured bank (FDIC certificate #15598). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Horizon Financial Bank?
Horizon Financial Bank holds $202 million in total assets, ranking 23rd of 60 banks we track in North Dakota. It operates 5 branches.
Does Horizon Financial Bank have CFPB complaints?
No CFPB complaints against Horizon Financial Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
