Horizon Bancorp Q2 net income $24.9M, EPS $0.49; NIM 4.37%, up from 3.23% YoY

HORIZON BANCORP INC /IN/

Net income $24.9M ($0.49 diluted EPS) vs $20.6M ($0.47) in Q2 2025; pre-tax legal charge of $3.1M ($0.05) included.
Net interest margin (FTE) 4.37%, up from 4.29% linked quarter and 3.23% YoY; net interest income $63.5M (+14.7% YoY).
Annualized ROA 1.54%, ROTCE 18.05%; loans HFI grew 6.6% annualized linked quarter, commercial loans up $63.5M.
Credit quality stable: net charge-offs 0.05% annualized; non-performing assets 0.66% of total assets.
Book value per share $14.21, tangible book $11.06; total capital ratio 15.01% (preliminary).

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.