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Dec 31, 2025
Horizon Bancorp Q4 2025 Earnings Report
Horizon Bancorp reported a return to profitability in Q4 2025, generating strong interest income and maintaining solid credit quality metrics.
Key Takeaways
Horizon Bancorp delivered a strong Q4 2025 performance with a net income of $26.9 million and EPS of $0.53, supported by higher net interest income and stable asset quality.
Net income reached $26.9 million in Q4 2025, reversing the losses seen in prior quarters.
Net interest income rose to $63.5 million, with a net interest margin of 4.29%, its ninth consecutive quarterly expansion.
Return on average assets and equity were 1.63% and 15.71%, respectively, indicating robust profitability.
Non-performing assets increased slightly but remained within expected ranges at 0.63% of total assets.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Horizon enters 2026 with strong momentum, expecting continued profitability, durable earnings, and peer-leading metrics.
Positive Outlook
- Franchise well-positioned to deliver continued profitability
- Commercial loan engine producing high-quality growth
- Credit quality remains excellent
- Expenses remain well managed
- Strong balance sheet supports long-term value creation
Challenges Ahead
- Non-performing assets increased slightly from Q3
- Consumer loan segment saw a YoY decline
- Deposit balances decreased due to intentional runoff
- Net charge-offs increased slightly compared to prior year
- Non-accrual loans rose across most loan categories
Historical Earnings Impact
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Avg. Return Before/After Earnings
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