secwatch.observer — SEC 8-K summary
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Issuer:     HORIZON BANCORP INC /IN/ (HBNC)
CIK:        0000706129
Form:       8-K
Filed at:   2026-10-21T20:07:15+00:00
Accession:  0000706129-26-000082
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/706129/000070612926000082/0000706129-26-000082-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/706129/000070612926000082/hbnc-20261021.htm
  HTML page:      https://secwatch.observer/filing/0000706129-26-000082

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