---
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"
generated_at: "2026-05-16T09:24:29.584891+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Horizon Bancorp Q4 net income $26.9M ($0.53 EPS); NIM expands to 4.29%, ROA 1.63%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000706129-26-000006
- JSON: https://secwatch.observer/filing/0000706129-26-000006.json
- Plain text: https://secwatch.observer/filing/0000706129-26-000006.txt

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