What is Horizon Bancorp's allowance for credit losses?

Horizon Bancorp (HBNC) reported allowance for credit losses of $51.3M in Q1 2026.

How has Horizon Bancorp's allowance for credit losses changed year-over-year?

Horizon Bancorp's allowance for credit losses decreased by 2.6% year-over-year, from $52.65M to $51.3M.

What does allowance for credit losses mean?

Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.

Horizon Bancorp HBNC Allowance for credit losses

Allowance for credit losses at other companies

Eastern Bankshares, Inc.EBC

$327.89M+46.2%

Mid Penn BancorpMPB

$41.11M+14.7%

Universal Insurance HoldingsUVE

$816K-1.6%

SHA

SharonAI Holdings, Inc. Class A Common StockSHAZ

$36.12K-54.2%

Texas Capital BancsharesTCBI

$270.44M-2.9%

SLMSLM

$1.38B-4.2%

Other financials

Income statement

See full

Revenue$73.5M+6.9%

Net income$26.2M+9.3%

EPS (diluted)$0.51-5.6%

Balance sheet

See full

Cash & equivalents$259.1M+52.7%

Total debt$225.8M-74.9%

Total equity$699.0M-9.9%

Total assets$6.6B-14.0%

Cash flow

See full

Operating cash flow$20.8M+36.2%

CapEx$56.0K-95.0%

Free cash flow$20.7M+46.7%

Valuation

See full

Market cap$1.02B+57.7%

Enterprise value$982.06M-28.5%

Profitability

See full

Net margin33%-5.3pp

FCF margin34.4%+0.2pp

Returns & leverage

See full

Return on equity11.1%-2.7pp

Debt / equity0.3×-0.8×

Where this comes from

Reported directly by Horizon Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: Horizon Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horizon Bancorp's allowance for credit losses?: Horizon Bancorp (HBNC) reported allowance for credit losses of $51.3M in Q1 2026.
How has Horizon Bancorp's allowance for credit losses changed year-over-year?: Horizon Bancorp's allowance for credit losses decreased by 2.6% year-over-year, from $52.65M to $51.3M.
What does allowance for credit losses mean?: Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.