Horizon Bank (FDIC #4360): Bank Stress & Real-Estate Credit Exposure

Horizon Bank (FDIC Cert #4360): bank stress 48/100, moderate, STABLE over 7 days; parent HORIZON BCORP INC.

Horizon Bank (#4360) lends in 39 counties across 2 states; Horizon Bank (#4360) reaches 640 ZIP codes: Indiana 21 counties, 319 ZIPs; Michigan 18 counties, 321 ZIPs.

Horizon Bank (#4360) largest markets: Oakland County, MI (71 branches, 71 ZIPs) (#4360), Marion County, IN (41 branches, 41 ZIPs) (#4360), Kent County, MI (39 branches, 39 ZIPs) (#4360), Allen County, IN (66 branches, 33 ZIPs) (#4360), Lake County, IN (168 branches, 28 ZIPs) (#4360), Kalamazoo County, MI (50 branches, 25 ZIPs) (#4360).

Horizon Bank (#4360) reports $6.55 billion in total assets; Horizon Bank (#4360) equity $803.8 million (12.3% of Horizon Bank (#4360) assets); Horizon Bank (#4360) domestic deposits $5.48 billion; Horizon Bank (#4360) net income $56.9 million; Horizon Bank (#4360) return on assets 1.75%; Horizon Bank (#4360) return on equity 14.53%; Horizon Bank (#4360) net interest income $131.4 million; Horizon Bank (#4360) call report June 30, 2026.

Horizon Bank (#4360) noncurrent real-estate loans 0.02% of its book; Horizon Bank (#4360) net charge-offs on real estate 0.79%; Horizon Bank (#4360) residential charge-offs 0.36%.

Horizon Bank (#4360) net interest margin 4.47% against an eight-quarter Horizon Bank (#4360) average of 3.43% (Horizon Bank (#4360) compression -1.03 points); Horizon Bank (#4360) real-estate loans 2.0% of equity; Horizon Bank (#4360) non-residential real estate 35.7% of equity; Horizon Bank (#4360) rate-exposure score 40/100, Horizon Bank (#4360) fixed-rate trap 40/100; Horizon Bank (#4360) risk type credit driven; Horizon Bank (#4360) rate regime rates elevated, Horizon Bank (#4360) snapshot October 19, 2026.

Horizon Bank (#4360) stress score moved from 46.7 on June 22, 2026 to 47.5 on October 19, 2026; Horizon Bank (#4360) ranged 46.7 to 47.5 over 116 snapshots.

Horizon Bank (#4360) alerts: 39 counties; top Horizon Bank (#4360) alert scores: Lagrange County, IN 36 (moderate); Marion County, IN 34 (low); Elkhart County, IN 30 (low); Attica County, IN 19 (low); Big Rapids County, IN 19 (low).