Horizon Bancorp, Inc. (NASDAQ GS: HBNC) is one of the largest independent bank holding companies headquartered in Indiana or Michigan, where its Horizon Bank branches are strategically located in 39 counties serving some of the Midwest’s most attractive markets. These communities are home to multi-national companies, flourishing ecosystems of suppliers, spin-offs and professional services firms, and thriving college towns. The bank offers a comprehensive range of commercial banking, retail banking and private wealth management services, and Horizon advisors are entrusted by their neighbors and communities to affirm the customer as their highest focus, providing exceptional service and sensible advice to build life-long relationships.

Attractive Markets icon


  • Attractive business environments, tax rates, housing affordability, transportation, infrastructure, local economies, and quality of life.
  • Local economic engines include global leaders in medical devices, pharmaceuticals, agribusiness, automotive/mobility, alternative energy, and high-tech manufacturing, as well as renowned universities like Notre Dame, Purdue, Indiana, Michigan, Michigan State, and Grand Valley State.
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  • Longstanding culture of operating discipline, efficiency, technological integration, and conservative underwriting.
  • Low levels of expenses as a percentage of assets, high digital and virtual banking adoption rates, and historically low annual credit costs.
Commercial Relationships icon


  • Long history as a commercial lender of choice for high-quality, in-market borrowers and sponsors with established track records of success.
  • Horizon Equipment Finance expands the bank’s commercial offering for small- and mid-sized businesses locally, regionally, and nationally.
  • Commercial loans have consistently represented more than half of Horizon’s total loan portfolio.
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  • Significant liquidity and a valuable low-cost, seasoned, in-market core deposit franchise that Horizon has consistently invested in over the years.
  • Disciplined pricing and proactive relationship building is focused on in-market consumer and commercial relationships.