This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Austin, TX
Health score
85.1
Total assets
$2.6B
Bank
Irving, TX
Health score
84.5
Total assets
$2.6B
Answer first
Horizon Bank, SSB leads on financial health and lending quality and growth; State Bank of Texas leads on capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Horizon Bank, SSB
Higher TFS health score
Capitalization
State Bank of Texas
Higher comparable capital ratio
Profitability
State Bank of Texas
Higher return on assets
Lending quality
Horizon Bank, SSB
Lower problem-loan measure
Growth
Horizon Bank, SSB
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Horizon Bank, SSB | State Bank of Texas |
|---|---|---|
| TFS health score | 85.1/100Leads | 84.5/100 |
| Total assets | $2.6B | $2.6B |
| Total deposits / shares | $2.2B | $2.1B |
| Tier 1 capital ratio | 8.95% | 15.71%Leads |
| Return on assets | 1.74% | 4.24%Leads |
| Return on equity | 20.71% | 27.93% |
Horizon Bank, SSB
6 branches
State Bank of Texas
7 branches
Both institutions report branches in 1 state: TX.
Horizon Bank, SSB
Unavailable
State Bank of Texas
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Horizon Bank, SSB
0 in TFS registry
State Bank of Texas
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Horizon Bank, SSB score | Horizon Bank, SSB ROA | State Bank of Texas score | State Bank of Texas ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.45% | — | 4.60% |
| 2024-Q4 | — | 1.42% | — | 4.00% |
| 2025-Q1 | — | 1.62% | — | 4.07% |
| 2025-Q2 | — | 1.64% | — | 4.05% |
| 2025-Q3 | — | 1.63% | — | 4.14% |
| 2025-Q4 | — | 1.67% | — | 3.98% |
| 2026-Q1 | 82.9/100 | 1.76% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.00%Leads | 2.16% |
| Net charge-offs | 0.02% | 0.00%Leads |
| Efficiency ratio | 52.57% | 21.41%Leads |
| Loan-to-deposit ratio | 72.73% | 96.80% |
| Asset growth (YoY) | 7.58%Leads | -6.61% |
| Deposit / share growth (YoY) | 8.26%Leads | -6.78% |
| Branches | 6 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 90.3/100 |
| 3.94% |
| 2026-Q2 | 85.1/100 | 1.74% | 84.5/100 | 4.24% |