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Horizon Bancorp
Horizon Bancorp (HBNC) investor relations material
Horizon Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Fourth quarter 2025 results showed a strong rebound, with net income of $26.9 million ($0.53 per diluted share) and annualized ROAA of 1.63% and ROAE of 15.71%, both peer-leading metrics.
Net interest margin expanded for the ninth consecutive quarter, reaching 4.29%.
Commercial loan growth was strong at 9%–9.1% annualized, with a focus on high-quality, diversified portfolios.
Maintained a conservative credit profile with low non-performing assets and net charge-offs.
The franchise enters 2026 from a position of strength, focused on sustainable, profitable growth and peer-leading capital generation.
Financial highlights
Net interest income rose to $63.5 million in Q4 2025, up 8.7% sequentially and 19.5% year-over-year.
Total loans reached $4.9 billion at year-end, up $60.7 million from Q3; commercial loans grew $76 million.
Non-interest income was $11.5 million, up 7% year-over-year, with wealth management and mortgage fees up 19% and 14%, respectively.
Non-interest expense was $40.6 million, including a $0.7 million subordinated note expense write-off.
Book value per share increased to $13.50, and tangible book value per share rose to $10.32.
Outlook and guidance
2026 guidance projects mid-single-digit growth in loans and deposits, with deposit growth to modestly outpace loans.
Net interest margin expected in the 4.25%-4.35% range, with non-FTE net interest income to grow in the low teens year-over-year.
Non-interest income and expenses forecasted in the mid-$40 million and mid-$160 million ranges, respectively.
Effective tax rate expected between 18%-20%.
Management expects to maintain top-tier profitability and durable earnings in 2026, supported by disciplined commercial loan growth.
Explain Q4 NIM expansion drivers
Address rising non-performing assets trend
Reconcile deposit runoff with loan growth plans
How will commercial loan mix evolve in 2026?
When would M&A become a capital deployment option?
Detail core deposit generation initiatives for 2026.
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Next Horizon Bancorp earnings date
Q1 202623 Apr, 2026
Horizon Bancorp
Next Horizon Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Horizon Bancorp Inc., incorporated on May 17, 1982, is a bank holding company. The Company provides commercial banking services primarily in Indiana and Michigan through its banking subsidiary, Horizon Bank, NA (the Bank). The Company's segments include Banking Division and Drake Insurance & Financial Services, Inc. (Drake). Banking Division operates in Indiana and Michigan offering commercial and personal banking services.
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