Horizon Financial Corp. operates as the bank holding company for Horizon Bank that provides commercial banking services in Washington. It generates various deposit products, including savings accounts, nonnegotiable time deposits, certificates of deposit, individual retirement accounts, qualified retirement plans, transaction accounts, and money market deposit accounts. The company originates various loan products comprising loans secured by mortgages on one-to-four family residential and multi-family residential properties; construction and land development loans; commercial loans and commercial real estate loans; and consumer loans, including home equity loans, home equity lines of credit, loans secured by deposit accounts, unsecured loans, and loans for mobile homes located in mobile home parks, as well as loans secured by personal property, including automobiles, boats, and other vehicles. As of March 31, 2009, it operated 18 full-service facilities, 4 commercial loan centers, and 4 real estate loan centers in Whatcom, Skagit, Snohomish, and Pierce counties in northwest Washington. Horizon Financial Corp. was founded in 1995 and is headquartered in Bellingham, Washington.

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