{"schema_version":"secwatch.filing_event.v1","accession":"0000706129-25-000131","form_type":"8-K","ticker":"HBNC","cik":"0000706129","company_name":"HORIZON BANCORP INC /IN/","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.183334+00:00","generated_at":"2026-05-18T03:49:43.016139+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Horizon Bancorp Q2 EPS $0.47; NIM expands to 3.23%, commercial loans grow 14.8% annualized","bullets":["Net income $20.6M ($0.47 diluted) vs $14.1M ($0.32) in Q2 2024; net interest margin (FTE) 3.23% seventh consecutive expansion.","Commercial loan growth $117.2M annualized 14.8%; indirect auto runoff $34.1M; total loans HFI up 6.2% annualized.","Credit quality strong: net charge-offs annualized 0.02%; non-performing assets down 12.4% vs prior quarter.","Tangible book value per share $14.32, up $0.36; total regulatory capital ratio 14.48% (preliminary).","Non-interest income $10.9M (down from $16.5M due to non-recurring Q1 gain on mortgage warehouse sale); expenses up <1% linked quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000706129-25-000131","json":"https://secwatch.observer/filing/0000706129-25-000131.json","markdown":"https://secwatch.observer/filing/0000706129-25-000131.md","text":"https://secwatch.observer/filing/0000706129-25-000131.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/706129/000070612925000131/0000706129-25-000131-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/706129/000070612925000131/hbnc-20250723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:49:43.016139+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"}