---
schema_version: "secwatch.filing_event.v1"
accession: "0000706129-24-000087"
form_type: "8-K"
ticker: "HBNC"
cik: "0000706129"
company_name: "HORIZON BANCORP INC /IN/"
filed_at: "2024-07-24T23:59:59+00:00"
generated_at: "2026-05-31T17:37:38.787738+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Horizon Bancorp Q2 2024 EPS $0.32; NIM expands to 2.64%

## Summary
- Net income $14.1M ($0.32 diluted EPS) vs $18.8M ($0.43) a year ago.
- Net interest income $45.3M, third consecutive rise; NIM FTE 2.64% vs 2.50% linked Q1.
- Loans HFI up 4.4% to $4.8B; commercial loan growth $154.8M; deposits +0.9% to $5.6B.
- Non-accrual loans fell $0.8M to $18.3M; net charge-offs annualized 0.05%.
- Corrected prior capital classification: sub notes reclassified from Tier 1 to Tier 2; still well-capitalized.

## SEC filing metadata
- accession: 0000706129-24-000087
- form_type: 8-K
- ticker: HBNC
- cik: 0000706129
- company_name: HORIZON BANCORP INC /IN/
- filed_at: 2024-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/706129/000070612924000087/0000706129-24-000087-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/706129/000070612924000087/hbnc-20240724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000706129-24-000087
- JSON: https://secwatch.observer/filing/0000706129-24-000087.json
- Plain text: https://secwatch.observer/filing/0000706129-24-000087.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.