secwatch.observer — SEC 8-K summary
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Issuer:     HORIZON BANCORP INC /IN/ (HBNC)
CIK:        0000706129
Form:       8-K
Filed at:   2026-07-22T20:06:47+00:00
Accession:  0000706129-26-000060
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/706129/000070612926000060/0000706129-26-000060-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/706129/000070612926000060/hbnc-20260722.htm
  HTML page:      https://secwatch.observer/filing/0000706129-26-000060

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