---
schema_version: "secwatch.filing_event.v1"
accession: "0000706129-26-000082"
form_type: "8-K"
ticker: "HBNC"
cik: "0000706129"
company_name: "HORIZON BANCORP INC /IN/"
filed_at: "2026-10-21T20:07:15+00:00"
generated_at: "2026-10-21T20:09:25.530937+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000706129-26-000082
- form_type: 8-K
- ticker: HBNC
- cik: 0000706129
- company_name: HORIZON BANCORP INC /IN/
- filed_at: 2026-10-21T20:07:15+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/706129/000070612926000082/0000706129-26-000082-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/706129/000070612926000082/hbnc-20261021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000706129-26-000082
- JSON: https://secwatch.observer/filing/0000706129-26-000082.json
- Plain text: https://secwatch.observer/filing/0000706129-26-000082.txt

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