HBNC

Horizon Bancorp, Inc. is a bank holding company. The Company provides a range of banking services in northern and central Indiana and southern and central Michigan through its subsidiary, Horizon Bank (the Bank) and Horizon Risk Management, Inc. The Company operates through the commercial banking segment. The Bank is a full-service commercial bank that offers a range of commercial and retail banking and other services incident to banking along with a trust department that offers corporate and individual trust and agency services and investment management services. The Bank maintains approximately 71 full-service offices. Its wholly owned subsidiary, Horizon Risk Management, Inc., is a captive insurance company. Its loan portfolio consists of commercial loans, real estate loans, mortgage warehouse loans and consumer loans. The Bank’s deposits products include noninterest-bearing demand deposits, interest bearing demand deposits, savings deposits, money market and time deposits.