Horizon Bancorp (HBNC) risk factors

Item 1A of every Horizon Bancorp Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

Open HBNC in Gloom →

Horizon Bancorp's chart, financials and news, free in your browser.Open HBNC in Gloom →

FY2025 10-K risk factors
39 risks4 new1 dropped4 reworded
Horizon Bancorp faces rising disintermediation risks from digital assets like stablecoins and alternative platforms under the GENIUS Act of 2025.
Filed Mar 13, 2026
FY2024 10-K risk factors
36 risks
Horizon Bancorp faces significant concentration in commercial loans and regional economic conditions in Indiana and Michigan.
Filed Mar 14, 2025