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Horizon Bank
Michigan City, IN·FDIC Cert #4360·Charter: STATE·Est. 18730421.0·HC: HORIZON BCORP INC
Total Assets
$6.4B
Q4 2025
Return on Assets
-1.96%
+1.11%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.87%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
47
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-1.96%+1.11
ROE
-17.86%+10.77
Efficiency
58.87%-3.62
Equity/Assets
0.00%+0.00
NPL Ratio
0.72%+0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.32%+5.89
Charge-offs
0.06%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.9 | 0.6 | 1.3 | 1.3 | -3.1 | -2.0 |
| ROE | 8.5 | 8.5 | 9.2 | 5.9 | 12.8 | 11.9 | -28.6 | -17.9 |
| Efficiency | 64.3 | 63.2 | 62.5 | 62.7 | 53.3 | 54.5 | 62.5 | 58.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.6 | 0.6 | 0.5 | 0.6 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 80.8 | 83.7 | 81.9 | 85.7 | 83.1 | 85.4 | 84.4 | 90.3 |
Balance Sheet
Total Assets$6.4B
Total Deposits$5.4B
Total Loans$4.8B
Total Equity$768.9M
Profitability
ROA-1.96%
ROE-17.86%
Efficiency Ratio58.87%
Net Income$-141.2M
Risk & Asset Quality
NPL Ratio0.72%
Charge-off Rate0.06%
Loan/Deposit90.32%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans