| Schedule of Regulatory Capital Requirement |
The following table presents Horizon and the Bank’s actual and required capital ratios as of June 30, 2026 and December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Required for Capital Adequacy Purposes(1) | | Required For Capital Adequacy Purposes with Capital Buffer(1) | | Well Capitalized Under Prompt Corrective Action Provisions(1) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | June 30, 2026 | | | | | | | | | | | | | | | | Total capital (to risk-weighted assets)(1) | | | | | | | | | | | | | | | | | Consolidated | $ | 799,214 | | | 15.02 | % | | $ | 425,716 | | | 8.00 | % | | $ | 558,752 | | | 10.50 | % | | N/A | | N/A | | Bank | 720,864 | | | 13.60 | % | | 423,902 | | | 8.00 | % | | 556,371 | | | 10.50 | % | | $529,877 | | 10.00% | Tier 1 capital (1) (to risk-weighted assets) | | | | | | | | | | | | | | | | | Consolidated | 647,685 | | | 12.17 | % | | 319,287 | | | 6.00 | % | | 452,323 | | | 8.50 | % | | N/A | | N/A | | Bank | 667,651 | | | 12.60 | % | | 317,926 | | | 6.00 | % | | 450,396 | | | 8.50 | % | | 423,902 | | 8.00% | Common equity tier 1 capital (1) (to risk-weighted assets) | | | | | | | | | | | | | | | | | Consolidated | 589,896 | | | 11.09 | % | | 239,465 | | | 4.50 | % | | 372,502 | | | 7.00 | % | | N/A | | N/A | | Bank | 667,651 | | | 12.60 | % | | 238,445 | | | 4.50 | % | | 370,914 | | | 7.00 | % | | 344,420 | | 6.50% | Tier 1 capital (to average assets)(1) | | | | | | | | | | | | | | | | | Consolidated | 647,685 | | | 10.17 | % | | 254,648 | | | 4.00 | % | | 254,648 | | | 4.00 | % | | N/A | | N/A | | Bank | 667,651 | | | 10.52 | % | | 253,752 | | | 4.00 | % | | 253,752 | | | 4.00 | % | | 317,190 | | 5.00% | (1) As defined by regulatory agencies | | | | | | | | | | | | | | | | | | Actual | | Required for Capital Adequacy Purposes(1) | | Required For Capital Adequacy Purposes with Capital Buffer(1) | | Well Capitalized Under Prompt Corrective Action Provisions(1) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | December 31, 2025 | | | | | | | | | | | | | | | | Total capital (to risk-weighted assets)(1) | | | | | | | | | | | | | | | | | Consolidated | $ | 762,541 | | | 14.36 | % | | $ | 424,791 | | | 8.00 | % | | $ | 557,538 | | | 10.50 | % | | N/A | | N/A | | Bank | 687,316 | | | 12.99 | % | | 423,209 | | | 8.00 | % | | 555,461 | | | 10.50 | % | | 529,011 | | 10.00% | Tier 1 capital (1) (to risk-weighted assets) | | | | | | | | | | | | | | | | | Consolidated | 611,186 | | | 11.51 | % | | 318,593 | | | 6.00 | % | | 451,340 | | | 8.50 | % | | N/A | | N/A | | Bank | 634,176 | | | 11.99 | % | | 317,407 | | | 6.00 | % | | 449,659 | | | 8.50 | % | | 423,209 | | 8.00% | Common equity tier 1 capital (1) (to risk-weighted assets) | | | | | | | | | | | | | | | | | Consolidated | 553,498 | | | 10.42 | % | | 238,945 | | | 4.50 | % | | 371,692 | | | 7.00 | % | | N/A | | N/A | | Bank | 634,176 | | | 11.99 | % | | 238,055 | | | 4.50 | % | | 370,308 | | | 7.00 | % | | 343,857 | | 6.50% | Tier 1 capital (to average assets)(1) | | | | | | | | | | | | | | | | | Consolidated | 611,186 | | | 9.55 | % | | 256,006 | | | 4.00 | % | | 256,006 | | | 4.00 | % | | N/A | | N/A | | Bank | 634,176 | | | 9.94 | % | | 255,282 | | | 4.00 | % | | 255,282 | | | 4.00 | % | | 319,103 | | 5.00% | (1) As defined by regulatory agencies |
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