Horizon Bancorp Reports Strong Q2 2025 Results

Horizon Bancorp ( (HBNC) ) has released its Q2 earnings. Here is a breakdown of the information Horizon Bancorp presented to its investors.

Horizon Bancorp, Inc. is a commercial bank holding company based in Michigan City, Indiana, operating primarily in the Midwestern United States. It offers a range of financial services, including consumer and commercial lending, personal banking, and wealth management solutions, with a focus on community banking.

Horizon Bancorp reported strong financial results for the second quarter of 2025, driven by continued expansion in net interest margin and robust loan growth. The company highlighted its commitment to enhancing shareholder value through disciplined balance sheet management and effective capital deployment.

Key financial metrics for the quarter included a net income of $20.6 million, or $0.47 per diluted share, and a 5.9% increase in net interest income to $55.4 million. The net interest margin expanded for the seventh consecutive quarter to 3.23%. Total loans held for investment grew by 6.2% annualized, with significant contributions from commercial loan growth. Credit quality remained strong with low net charge-offs and a decrease in non-performing assets.

Despite a decrease in non-interest income due to the prior quarter’s sale of the mortgage warehouse business, Horizon Bancorp maintained stable non-interest expenses, reflecting prudent expense management. The company’s balance sheet showed an increase in total assets to $7.7 billion, supported by loan growth and a strategic reduction in lower-yielding assets.

Looking ahead, Horizon Bancorp’s management remains optimistic about continuing to deliver shareholder value through its community banking platform and disciplined financial strategies, aiming for sustained growth and profitability in the upcoming quarters.