HBNC Horizon Bancorp (HBNC) Q3 FY26 earnings call
Horizon Bancorp delivered a productive third quarter, marked by strong profitability and robust capital generation, with ROAA above 1.7% and ROTCE exceeding 20%. The company maintained a stable net interest margin and achieved mid-single-digit annualized growth in both loans and deposits through a disciplined approach. Despite a modest increase in net charge-offs and a decline in commercial real estate loans, credit quality remained stable, positioning the company for continued strong performance into the fourth quarter and 2027.
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HBNC operating KPIs by quarter
| KPI | Jun 2026 Q2 FY26 | This call 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.