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Horizon Bancorp HBNC Standby letters of credit

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Other financials

Income statement

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Revenue$75.5M+13.9%
Net income$24.9M+20.7%
EPS (diluted)$0.49+4.3%

Balance sheet

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Cash & equivalents$217.9M+58.0%
Total debt$223.0M-77.1%
Total equity$726.2M-8.2%
Total assets$6.6B-14.1%

Cash flow

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Operating cash flow$33.2M+70.1%
CapEx$1.8M+33.3%
Free cash flow$31.3M+72.9%

Valuation

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Market cap$1.06B+58.3%
Enterprise value$1.06B-29.5%

Profitability

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Net margin33%-5.3pp
FCF margin34.4%+0.2pp

Returns & leverage

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Return on equity11.1%-2.7pp
Debt / equity0.3×-0.9×

Where this comes from

Reported directly by Horizon Bancorp in its filing.

Tagged under the XBRL concept hbnc:FairValueDisclosureOffBalanceSheetRisksAmountStandbyLettersOfCredit.

The source filing: Horizon Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000706129-26-000063
Line itemJune 30, 2026December 31, 2025
Commitments to extend credit$1,058,286$1,124,850
Standby letters of credit18,76222,274
Total$1,077,048$1,147,124

Item 1. Financial Statements (Unaudited)

FAQ

What is Horizon Bancorp's standby letters of credit?
Horizon Bancorp (HBNC) reported standby letters of credit of $18.76M in Q2 2026.
How has Horizon Bancorp's standby letters of credit changed year-over-year?
Horizon Bancorp's standby letters of credit decreased by 28.6% year-over-year, from $26.29M to $18.76M.
What is the long-term trend for Horizon Bancorp's standby letters of credit?
Over 2 years (2023 to 2025), Horizon Bancorp's standby letters of credit has grown at a 16.2% compound annual growth rate (CAGR), from $16.49M to $22.27M.
What does standby letters of credit mean?
Standby letters of credit as reported by Horizon Bancorp, Inc. Common Stock.

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