Horizon Financial Bank
Munich, ND · Owner: Munich Bancshares Inc
$201M
total assets, June 30, 2026
$201M
total assets, June 30, 2026
Horizon Financial Bank is a state nonmember bank based in Munich, ND, owned by Munich Bancshares Inc. As of June 30, 2026 it held $201.0 million in assets and $178.5 million in deposits; assets were up 1.7% from a year before. It has 5 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$201M
+1.7% in a year · -0.6% in a quarter
Deposits
$179M
+1.8% in a year · -1.0% in a quarter
Loans
$151M
+2.0% in a year · +9.6% in a quarter
Profit so far
$986K
Jan 1 to Jun 30, 2026 · +3.4% in a year
Capital ratio
10.78%
+0.09 pts in a year
Return on assets
0.97%
+0.02 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 416 Main St, Munich, ND, 58352
- County
- Cavalier
- Holding company
- Munich Bancshares Inc
- Established
- Jan 1, 1905
- Employees
- 32
- Branches
- 5
- Website
- www.horizonfinancialbank.com
- Id
- b15598
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
5 offices as of June 30, 2026, holding $178.5 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| North Dakota | 5 | $179M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Horizon Financial Bank (main office) | Munich, ND | $55.7M |
| Devils Lake Branch | Devils Lake, ND | $40.0M |
| Bismark Branch | Bismarck, ND | $36.4M |
| Langdon Branch | Langdon, ND | $28.8M |
| Osnabrock Branch | Osnabrock, ND | $17.5M |
Related pages
Questions and answers
How big is Horizon Financial Bank?
$201.0 million in total assets and $178.5 million in deposits as of June 30, 2026, with assets up 1.7% from a year before. Its loans were $150.8 million.
How many branches does Horizon Financial Bank have?
5 branches in North Dakota as of June 30, 2026.
Is Horizon Financial Bank profitable?
Yes: it earned $986,000 from January 1 to June 30, 2026 (up 3.4% from the same months a year before). Its return on assets was 0.97% a year; about 1% is typical.
Who owns Horizon Financial Bank?
Horizon Financial Bank is owned by Munich Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.