{"schema_version":"secwatch.filing_event.v1","accession":"0000706129-25-000078","form_type":"8-K","ticker":"HBNC","cik":"0000706129","company_name":"HORIZON BANCORP INC /IN/","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.060381+00:00","generated_at":"2026-05-23T08:33:15.338664+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Horizon Bancorp Q1 net income $23.9M ($0.54 EPS); NIM expands to 3.04%","bullets":["Net income $23.9M ($0.54 diluted EPS); Q4 2024 net loss $10.9M (-$0.25); Q1 2024 $14.0M ($0.32).","Net interest margin (FTE) 3.04%, up from 2.97% Q4 and 2.50% YoY; sixth consecutive quarter of expansion.","Commercial loan growth of $103.3M (14% annualized); total loans HFI up 5% linked quarter annualized.","Completed sale of mortgage warehouse business for $7.0M pre-tax gain.","Expenses down $5.6M from Q4; net charge-offs remain low at 0.07% annualized."],"urls":{"canonical":"https://secwatch.observer/filing/0000706129-25-000078","json":"https://secwatch.observer/filing/0000706129-25-000078.json","markdown":"https://secwatch.observer/filing/0000706129-25-000078.md","text":"https://secwatch.observer/filing/0000706129-25-000078.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/706129/000070612925000078/0000706129-25-000078-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/706129/000070612925000078/hbnc-20250423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:33:15.338664+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}