{"schema_version":"secwatch.filing_event.v1","accession":"0000706129-26-000060","form_type":"8-K","ticker":"HBNC","cik":"0000706129","company_name":"HORIZON BANCORP INC /IN/","filed_at":"2026-07-22T20:06:47+00:00","discovered_at":"2026-07-22T20:09:00.265288+00:00","generated_at":"2026-07-22T20:09:22.245657+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Horizon Bancorp Q2 net income $24.9M, EPS $0.49; NIM 4.37%, up from 3.23% YoY","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000706129-26-000060","json":"https://secwatch.observer/filing/0000706129-26-000060.json","markdown":"https://secwatch.observer/filing/0000706129-26-000060.md","text":"https://secwatch.observer/filing/0000706129-26-000060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/706129/000070612926000060/0000706129-26-000060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/706129/000070612926000060/hbnc-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:09:22.245657+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"}