HBNC Horizon Bancorp (HBNC) Q2 FY26 earnings call
Horizon Bancorp delivered a strong second quarter, showcasing the durability of its community banking model with impressive net interest margin expansion and robust fee income growth. The company maintained excellent credit quality and continued to accrete capital, providing strategic optionality. Management remains optimistic about the second half of the year, focusing on disciplined balance sheet growth and shareholder value creation despite anticipated modest increases in deposit costs and a one-time legal charge.
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HBNC operating KPIs by quarter
| KPI | This call Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 4.37%As you can see on Slide 9, the net interest margin expanded by another 8 basis points in Q2 to 4.37%.Source: earnings call transcript | 4.37%As indicated on Slide 9, the net interest margin was flat with Q2 at 4.37% despite the increase in average interest-bearing cash balances.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.