{"schema_version":"secwatch.filing_event.v1","accession":"0000706129-26-000006","form_type":"8-K","ticker":"HBNC","cik":"0000706129","company_name":"HORIZON BANCORP INC /IN/","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.500028+00:00","generated_at":"2026-05-16T09:24:29.584891+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Horizon Bancorp Q4 net income $26.9M ($0.53 EPS); NIM expands to 4.29%, ROA 1.63%","bullets":["Q4 net income $26.9M ($0.53 diluted EPS) vs Q3 net loss $222.0M (-$4.69) and Q4 2024 net loss $10.9M (-$0.25).","Net interest margin (FTE) 4.29%, ninth consecutive quarterly expansion, up from 3.52% in Q3 and 2.97% in Q4 2024.","Commercial loan growth $75.8M (9.1% annualized); total loans HFI up 4.4% annualized linked quarter.","Credit quality: annualized net charge-offs 0.08%; non-performing assets 0.63% of total assets.","Tangible book value per share $10.32, up $0.56 from Q3; dividend unchanged at $0.16 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0000706129-26-000006","json":"https://secwatch.observer/filing/0000706129-26-000006.json","markdown":"https://secwatch.observer/filing/0000706129-26-000006.md","text":"https://secwatch.observer/filing/0000706129-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/706129/000070612926000006/0000706129-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/706129/000070612926000006/hbnc-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:24:29.584891+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"}