Horizon Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Horizon Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.96% in Q3 2026, up 1.22 percentage points from 11.74% in Q3 2025. Across the 12 quarters shown it ranged from 11.38% (Q2 2024) to 12.96% (Q3 2026).
What the capital ratios and amounts page covers and where each line comes from.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 10.3% in Q3 2026, from $161.2M to $177.8M. It was the largest change from Q2 2026 among the key lines here. Horizon Bank ranks 25th of 45 Indiana banks on CET1 ratio, in the lower half at 12.96% (Q3 2026). The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. Horizon Bank sits 0.64 points lower, at 12.96% (Q3 2026).
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.96% |
| Tier 1 risk-based capital ratio | 12.96% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 10.64% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $684.7M |
| Tier 1 capital | $684.7M |
| Total risk-based capital | $738.0M |
| Total equity capital | $772.4M |
| Risk-weighted assets | $5.28B |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.77% |
| Tangible equity to tangible assets | 9.56% |
| Equity capital to average assets | 11.72% |
| Internal capital growth rate | 8.24% |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $664.0M |
| Retained earnings | $177.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$72.0M |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 11.96% | 11.96% | 12.87% | 8.41% | $5.55B |
| Q1 2024 | 11.70% | 11.70% | 12.59% | 8.63% | $5.73B |
| Q2 2024 | 11.38% | 11.38% | 12.26% | 8.84% | $5.97B |
| Q3 2024 | 11.43% | 11.43% | 12.33% | 8.84% | $6.00B |
| Q4 2024 | 11.70% | 11.70% | 12.64% | 8.64% | $5.74B |
| Q1 2025 | 11.97% | 11.97% | 12.93% | 8.98% | $5.71B |
| Q2 2025 | 12.22% | 12.22% | 13.21% | 9.36% | $5.74B |
| Q3 2025 | 11.74% | 11.74% | 12.75% | 8.55% | $5.22B |
| Q4 2025 | 11.99% | 11.99% | 12.99% | 9.94% | $5.29B |
| Q1 2026 | 12.35% | 12.35% | 13.35% | 10.21% | $5.27B |
| Q2 2026 | 12.60% | 12.60% | 13.60% | 10.52% | $5.30B |
| Q3 2026 | 12.96% | 12.96% | 13.97% | 10.64% | $5.28B |
Horizon Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. How these pages are built. See the full Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4360) · FFIEC NIC profile (RSSD 130541)