Bank · FDIC insured
Horicon Bank
A $1.7B bank headquartered in Horicon, WI, with 19 branches in Wisconsin. Best rates: CDs 3.58% and savings 1.06% APY.
Horicon Bank Carrot Score
76
Carrot Score
Higher than 40% of U.S. banks and credit unions
#8 of 10 in Beaver Dam, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Horicon Bank
Founded in 1896 as Horicon State Bank in Horicon, Wisconsin, the institution is principally owned by Sword Financial Corporation and the Schwertfeger family, with 25% allocated to an employee stock ownership plan.
The bank acquired The First National Bank of Horicon in 1932, changed its name to Horicon Bank in 2004, and merged with Markesan State Bank in 2019 and Cornerstone Community Bank in 2023.
- Headquarters
- 326 E Lake St, Horicon, WI 53032
- FDIC certificate
- 11236 ↗
Branches
19 branches in Wisconsin
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Wisconsin
19 branches
Beaver Dam area · 7
- Horicon BankMain office326 E Lake St, Horicon, WI 53032Directions
- Beaver Dam Branch105 Industrial Dr, Beaver Dam, WI 53916Directions
- Iron Ridge Branch156 S Main St, Iron Ridge, WI 53035Directions
- Mayville Branch1440 Horicon St, Mayville, WI 53050Directions
- Neosho Branch226 S Schuyler St, Neosho, WI 53059Directions
- Randolph Branch170 Kienow Dr, Randolph, WI 53956Directions
- Waupun Branch807 W Main St, Waupun, WI 53963Directions
Milwaukee area · 5
- Cornerstone Community Bank Branch2090 Wisconsin Ave, Grafton, WI 53024Directions
- Menomonee Falls BranchN91w17231 Appleton Avenue, Menomonee Falls, WI 53051Directions
- New Berlin Branch15600 W Cleveland Ave, New Berlin, WI 53151Directions
- Wauwatosa Branch11530 W Burleigh St. Suite 120, Wauwatosa, WI 53222Directions
- West Bend Branch1535 W Paradise Dr, West Bend, WI 53095Directions
Fond du Lac area · 3
- Fond Du Lac Branch854 E Johnson St, Fond du Lac, WI 54935Directions
- Fond Du Lac Branch1207 W Johnson St, Fond du Lac, WI 54937Directions
- Ripon Branch400 Watson St, Ripon, WI 54971Directions
Appleton area · 1
- Appleton Branch100 E Midway Rd, Appleton, WI 54915Directions
Green Lake area · 1
- Green Lake Branch515 Hill St, Green Lake, WI 54941Directions
Markesan area · 1
- Margaret Street Branch825 N Margaret St, Markesan, WI 53946Directions
Oshkosh area · 1
- Oshkosh Wi Branch2251 Omro Rd, Oshkosh, WI 54904Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.72% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.93% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.42% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalLeverage ratio9.72%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.93%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Horicon Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.