Horizon Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
Horizon Bank reported all 9 line items on this page on its Q3 2026 filing. Unused home equity and credit card lines was $477.1M in Q3 2026, up 2.7% from $464.4M in Q3 2025. That is 7.3% of its total assets. Across the 12 quarters shown it ranged from $446.8M (Q4 2023) to $477.1M (Q3 2026).
What the off-balance-sheet exposure page covers and where each line comes from.
Letters of credit dropped 47.4% in Q3 2026, from $16.7M to $8.8M. It was the largest change from Q2 2026 among the key lines here.
Commitments
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $477.1M |
| Letters of credit | $8.8M |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Derivatives
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $1.22B |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | $0 |
| Derivatives notional to total assets | 18.57% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $4.0M |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.06% |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $446.8M | $16.5M | 13.66% |
| Q1 2024 | $458.3M | $18.1M | 13.70% |
| Q2 2024 | $462.9M | $19.0M | 14.40% |
| Q3 2024 | $455.1M | $24.4M | 13.85% |
| Q4 2024 | $454.9M | $23.5M | 13.69% |
| Q1 2025 | $465.3M | $23.5M | 13.67% |
| Q2 2025 | $467.8M | $23.7M | 13.65% |
| Q3 2025 | $464.4M | $19.8M | 15.94% |
| Q4 2025 | $472.5M | $20.2M | 16.39% |
| Q1 2026 | $472.6M | $20.7M | 15.44% |
| Q2 2026 | $475.3M | $16.7M | 15.15% |
| Q3 2026 | $477.1M | $8.8M | 18.57% |
Horizon Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and 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)