HORIZON BANK

MICHIGAN CITY, IN · Supervised by FDIC

Est. 1873FDIC #4,360RSSD: FDIC-4360

Part ofHORIZON BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.79%

Institution Profile

FDIC BankFind

Website

www.horizonbank.com

Address

515 Franklin St, MICHIGAN CITY, IN

County

Laporte County

Established

April 21, 1873

Total Assets

$6.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2023

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.5B

Total Deposits

$5.5B

Net Loans

$4.8B

Net Income

$29M

ROA

1.79%

ROE

15.00%

Risk-Based Capital

13.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$5.8B

1-Year Change

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2019

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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