secwatch.observer — SEC 8-K summary
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Issuer:     HORIZON BANCORP INC /IN/ (HBNC)
CIK:        0000706129
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0000706129-26-000006
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/706129/000070612926000006/0000706129-26-000006-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/706129/000070612926000006/hbnc-20260121.htm
  HTML page:      https://secwatch.observer/filing/0000706129-26-000006

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