How has Horizon Bancorp's tier 1 capital adequacy requirement changed year-over-year?

Horizon Bancorp's tier 1 capital adequacy requirement decreased by 7.5% year-over-year, from $343.17M to $317.5M.

What is the long-term trend for Horizon Bancorp's tier 1 capital adequacy requirement?

Over 5 years (2020 to 2025), Horizon Bancorp's tier 1 capital adequacy requirement has grown at a 4.1% compound annual growth rate (CAGR), from $261.02M to $318.59M.

Horizon Bancorp HBNC Tier 1 Capital Adequacy Requirement

Tier 1 Capital Adequacy Requirement at other companies

WSFS FinancialWSFS

$964.99M-1.5%

Amalgamated Financial Corp.AMAL

$341.71M+5.3%

Heritage FinancialHFWA

$334.58M-0.9%

Banner CorporationBANR

$830.93M+2.9%

1st Source CorporationSRCE

$475.5M+0.6%

ESQ

Esquire Financial Holdings, Inc.ESQ

$112.62M+26.1%

Other financials

Income statement

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Revenue$73.5M+6.9%

Net income$26.2M+9.3%

EPS (diluted)$0.51-5.6%

Balance sheet

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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

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Operating cash flow$20.8M+36.2%

CapEx$56.0K-95.0%

Free cash flow$20.7M+46.7%

Valuation

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Market cap$1.02B+57.7%

Enterprise value$982.06M-28.5%

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×-0.8×

Where this comes from

Reported directly by Horizon Bancorp in its filing.

Tagged under the XBRL concept us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy.

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 tier 1 capital adequacy requirement?: Horizon Bancorp (HBNC) reported tier 1 capital adequacy requirement of $317.5M in Q1 2026.
How has Horizon Bancorp's tier 1 capital adequacy requirement changed year-over-year?: Horizon Bancorp's tier 1 capital adequacy requirement decreased by 7.5% year-over-year, from $343.17M to $317.5M.
What is the long-term trend for Horizon Bancorp's tier 1 capital adequacy requirement?: Over 5 years (2020 to 2025), Horizon Bancorp's tier 1 capital adequacy requirement has grown at a 4.1% compound annual growth rate (CAGR), from $261.02M to $318.59M.