Horizon Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Horizon Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $5.01B in Q3 2026, up 3.8% from $4.83B in Q3 2025. That is 76.3% of its total assets. Across the 12 quarters shown it ranged from $4.42B (Q4 2023) to $5.01B (Q3 2026).
What the loan portfolio page covers and where each line comes from.
The standout move of Q3 2026 was in Loans held for sale: 31.6% lower than in Q2 2026, at $3.5M. Within Indiana, Horizon Bank is 32nd of 87 on loan-to-deposit ratio, 90.06% as of Q3 2026. At 90.06%, Horizon Bank's loan-to-deposit ratio is close to the 88.13% median for banks in the $1B-10B asset tier (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $5.01B |
| Net loans and leases | $4.96B |
| Loans held for sale | $3.5M |
| Loans to total assets | 76.31% |
| Loan-to-deposit ratio | 90.06% |
| Net loans to equity capital | 6.42× |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCON2122). Open the filed call report for Q3 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.48% |
| Multifamily (5+ residential) | 7.89% |
| Commercial and industrial | 12.34% |
| Consumer | 1.99% |
| Credit cards | 0.00% |
| Farm | 0.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.28% |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.81% |
| Construction concentration (Tier 1 capital + allowance) | 34.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.46% |
| Interest income on loans | $79.6M |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $4.42B | $5.74B | 28.86% | 9.90% | 10.29% |
| Q1 2024 | $4.62B | $5.65B | 27.84% | 11.67% | 10.21% |
| Q2 2024 | $4.83B | $5.70B | 27.95% | 8.40% | 10.13% |
| Q3 2024 | $4.81B | $5.80B | 28.64% | 8.49% | 9.25% |
| Q4 2024 | $4.91B | $5.68B | 29.66% | 9.58% | 8.18% |
| Q1 2025 | $4.91B | $5.85B | 30.16% | 10.83% | 7.36% |
| Q2 2025 | $4.99B | $5.78B | 30.64% | 14.87% | 6.49% |
| Q3 2025 | $4.83B | $5.66B | 32.30% | 15.49% | 2.23% |
| Q4 2025 | $4.89B | $5.35B | 34.89% | 13.86% | 2.03% |
| Q1 2026 | $4.89B | $5.50B | 35.42% | 12.00% | 1.89% |
| Q2 2026 | $4.96B | $5.48B | 35.33% | 12.58% | 1.73% |
| Q3 2026 | $5.01B | $5.56B | 34.48% | 12.34% | 1.99% |
Horizon Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)