---
schema_version: "secwatch.filing_event.v1"
accession: "0000706129-26-000039"
form_type: "8-K"
ticker: "HBNC"
cik: "0000706129"
company_name: "HORIZON BANCORP INC /IN/"
filed_at: "2026-04-22T23:59:59+00:00"
generated_at: "2026-05-15T04:58:12.753018+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Horizon Bancorp Q1 net income $26.2M, EPS $0.51; NIM stable at 4.29%, deposits up 11% annualized

## Summary
- Net income $26.2M ($0.51 diluted EPS) compared to $26.9M ($0.53) in Q4 2025.
- Return on avg assets 1.62%, return on avg tangible common equity 19.02%.
- Total deposits grew $146.9M (11.3% annualized); non-interest-bearing deposits up 22.8% annualized.
- Commercial loans up $34.2M (4.0% annualized); credit quality strong with NCOs at 0.05% annualized.
- Tangible book value $10.52 per share; dividend maintained at $0.16 per share.

## SEC filing metadata
- accession: 0000706129-26-000039
- form_type: 8-K
- ticker: HBNC
- cik: 0000706129
- company_name: HORIZON BANCORP INC /IN/
- filed_at: 2026-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/706129/000070612926000039/0000706129-26-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/706129/000070612926000039/hbnc-20260422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000706129-26-000039
- JSON: https://secwatch.observer/filing/0000706129-26-000039.json
- Plain text: https://secwatch.observer/filing/0000706129-26-000039.txt

## Key facts
- Earnings Releases
  HORIZON BANCORP INC /IN/ reported three months ended March 31, 2026 results: net income $26.2 million, EPS $0.51 per diluted share.
  - Period: three months ended March 31, 2026
  - Net income: $26.2 million
  - EPS: $0.51 per diluted share
  - Result: reported results
  source text: aimed at delivering a durable profitability profile, disciplined organic growth and peer leading capital generation". Net income for the three months ended March 31, 2026 was $26.2 million, or $0.51 per diluted share, compared to net income of $26.9 million, or $0.53, for the fourth quarter of 2025 and net income of $23.9 million, or $0.54 per diluted share, for
  evidence_url: https://www.sec.gov/Archives/edgar/data/706129/000070612926000039/0000706129-26-000039-index.htm

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