Horizon Bancorp Q3 2026 EPS $0.56; net income $28.7M vs year-ago $222.0M loss

HORIZON BANCORP INC /IN/

Diluted EPS $0.56 vs $0.49 in Q2 2026 and $(4.69) in Q3 2025; net income $28.7M vs $24.9M linked quarter and a $222.0M loss a year ago.
Net interest income $65.2M, up 11.6% YoY; net FTE margin 4.37%, flat vs Q2 and up from 3.52% in Q3 2025.
ROA 1.73% and return on average tangible common equity 20.03%; efficiency ratio 53.85% vs 58.07% in Q2.
Deposits rose $81.2M (6.0% annualized) to $5.5B; gross loans HFI increased $46.9M, with total HFI loans up 3.7% linked-quarter annualized.
Provision for credit losses $1.3M; net charge-offs 0.10% annualized; NPAs $44.6M, or 0.68% of assets; ACL 1.04% of HFI loans.

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