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Horizon Bancorp Inc.

HBNC · Financials

Last earnings Oct 21, 2026

AI analysis

Q3 2025 · reported Oct 22, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

No extracted figures held

The event-summary record for this company carries no extracted figures, so the brief and charts cannot be drawn yet. The summary below and the held documents are the record for this event.

Guidance · company-stated

No guidance located in the held release

Outlook statement

“During the first nine months of 2026, loans held-for-investment and total deposits increased by $129 million and $206 million, respectively, consistent with our outlook for mid-single-digit organic growth.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Total borrowings decreased by $720.1 million during the quarter to $160.2 million as of September 30, 2025, due to the payoff of the FHLB advances related to the balance sheet repositioning.

federal government to manage federal debt limits climate change and social justice initiatives the inability to realize cost savings or revenues or to effectively implement integration plans and other consequences associated with mergers, acquisitions, and divestitures acts of terrorism, war and global conflicts, such as the Russia and Ukraine conflict and the Israel and Hamas conflict and supply chain disruptions and delays.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Reports Third Quarter 2025 Results Contact John R

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Total borrowings decreased by $720.1 million during the quarter to $160.2 million as of September 30, 2025, due to the payoff of the FHLB advances related to the balance sheet repositioning.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

federal government to manage federal debt limits climate change and social justice initiatives the inability to realize cost savings or revenues or to effectively implement integration plans and other consequences associated with mergers, acquisitions, and divestitures acts of terrorism, war and global conflicts, such as the Russia and Ukraine conflict and the Israel and Hamas conflict and supply chain disruptions and delays.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

(6) Includes dividend income on Federal Home Loan Bank stock 12 Horizon Bancorp, Inc.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

federal government to manage federal debt limits; climate change and social justice initiatives; the inability to realize cost savings or revenues or to effectively implement integration plans and other consequences associated with mergers, acquisitions, and divestitures; acts of terrorism, war and global conflicts, such as the Russia and Ukraine conflict and the Israel and Hamas conflict; and supply chain disruptions and delays.

SEC original ↗Horizon Bancorp Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025

Strategy & priorities

Horizon s third quarter results were highlighted by the successful execution of our previously announced strategic balance sheet repositioning, which has exceeded our initial expectations and is on pace to achieve the top tier financial outcomes outlined in our plan.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

At this point, there is little work left to be done, and the Company will continue its focus on improving shareholder value from a position of strength , President and CEO, Thomas Prame stated.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

As we look ahead to the end of 2025 and into 2026, we will remain disciplined in our execution, focusing on profitable growth and smart redeployment of our peer-leading capital generation, all focused on creating durable returns and sustainable long-term value for our shareholders.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Reports Third Quarter 2025 Results Third Quarter 2025 Highlights Successful execution of strategic Balance Sheet transformation, positioning the bank for top quartile performance.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Reports Third Quarter 2025 Results Income Statement Highlights Net Interest Income Net interest income was $58.4 million in the third quarter of 2025, compared to $55.4 million in the second quarter of 2025, driven by the continued expansion of the Company's net FTE interest margin 1 , which increased to 3.52% for the third quarter of 2025, compared to 3.23% for the second quarter of 2025.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Risks & headwinds

The forward-looking statements are based on management s expectations and are subject to a number of risks and uncertainties.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Risks and uncertainties that could cause actual results to differ materially include effects on Horizon s business resulting from new U.

SEC original ↗Horizon Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Risks and uncertainties that could cause actual results to differ materially include: effects on Horizon s business resulting from new U.

SEC original ↗Horizon Bancorp Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025

Documents

Earnings deck slides

0 decks with slide view

Horizon Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Horizon Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Horizon Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Horizon Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Horizon Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

35 documents

Earnings releases

6 documents

Presentations

5 documents

Transcripts

0 documents

No transcripts for Horizon Bancorp Inc. are held in this edition of the library.

See also the earnings calendar for every tracked company’s next earnings date.