HIGHBuilt-inLoan_portfolio
70.4%
commercial loans
“10-K Item 1A: 'At December 31, 2025 $3.43 billion or 70.4% of our loan portfolio consisted of commercial loans.'”
HBNC · Concentration risk · 10-K extracted
Horizon Bancorp (HBNC) concentration risks
Updated
The most significant concentration Horizon Bancorp discloses is commercial loans at 70.4%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Horizon Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM0
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
LOWBuilt-inLoan_portfolio
15.8%
commercial real estate loans
“10-K Item 1A: 'At December 31, 2025 $772.4 million or 15.8% of our loan portfolio consisted of commercial real estate loans.'”
LOWBuilt-inLoan_portfolio
13.8%
consumer loans
“10-K Item 1A: 'At December 31, 2025 $671.7 million or 13.8% of our loan portfolio consisted of consumer loans.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Horizon Bancorp's loan book skews heavily toward commercial lending. Commercial loans made up 70.4% of the total loan portfolio at year-end, a high-share structural feature of the bank's business mix, while commercial real estate loans added a further 15.8% and consumer loans 13.8%, each a low-share piece of the portfolio by comparison. All three are structural rather than dependency-type exposures — they describe how the bank has chosen to allocate its loan book rather than reliance on any single borrower or counterparty. The dominant commercial concentration means Horizon's credit performance is closely tied to the health of commercial borrowers and, by extension, regional business cycles, more so than to consumer credit trends. Because the two smaller categories are both low-share, neither commercial real estate nor consumer lending looks positioned to offset a downturn concentrated in general commercial credit. For a community/regional bank, this mix is a reasonable proxy for where underwriting risk is concentrated, and the high commercial share is the single figure most worth tracking against credit-quality trends.
For the engine’s reasoning on HBNC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| HBNC● | Horizon Bancorp, Inc. | 1 | 0 | 2 | 3 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.