Horizon Bank: Income and Expense
BankRegReports is independent of Horizon Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RI How we update
Horizon Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $31.6M in Q3 2026, against -$219.4M in Q3 2025.
What the income and expense page covers and where each line comes from.
Open the full profitability analysis: return on equity taken apart into each income statement line's share of average assets and the leverage on equity, what moved it since a year earlier, and peers measured the same way.
Net income climbed 13.0% in Q3 2026, from $27.9M to $31.6M. It was the largest change from Q2 2026 among the key lines here. Horizon Bank ranks 12th of 87 Indiana banks on return on assets, in the upper half at 1.92% (Q3 2026). The median for banks in the $1B-10B asset tier is 1.30% on return on assets. Horizon Bank sits 0.61 points higher, at 1.92% (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $31.6M |
| Return on assets | 1.92% |
| Return on equity | 16.02% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $79.6M |
| Total interest expense | $23.0M |
| Interest expense on deposits | $21.4M |
| Net interest margin | 4.56% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $40.6M |
| Salaries and general administrative expense | $27.2M |
| Amortization of intangibles | $620K |
| Other noninterest expense | $12.8M |
| Efficiency ratio | 49.36% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $7.5M |
| Revenue per employee | $367K |
| Full-time equivalent employees | 872 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $1.3M |
| Provision expense to average assets | 0.08% |
| Realized gain/(loss) on securities | -$8K |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Income and Expense trend
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | -$22.6M | -1.12% | -12.03% | 65.15% |
| Q1 2024 | $16.2M | 0.82% | 8.47% | 61.93% |
| Q2 2024 | $16.4M | 0.84% | 8.54% | 60.13% |
| Q3 2024 | $21.0M | 1.06% | 10.73% | 59.00% |
| Q4 2024 | -$7.4M | -0.37% | -3.69% | 61.55% |
| Q1 2025 | $25.9M | 1.33% | 12.83% | 51.81% |
| Q2 2025 | $22.5M | 1.18% | 10.98% | 54.26% |
| Q3 2025 | -$219.4M | -11.99% | -111.70% | 77.70% |
| Q4 2025 | $29.7M | 1.82% | 15.75% | 48.71% |
| Q1 2026 | $29.0M | 1.78% | 15.00% | 50.69% |
| Q2 2026 | $27.9M | 1.72% | 14.12% | 53.16% |
| Q3 2026 | $31.6M | 1.92% | 16.02% | 49.36% |
Horizon Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)