BlastPoint's Banking Scorecard

Horizon Bank

$1B-$10B Specialty: Commercial IN FDIC cert 4360

Michigan City, IN

79 branches across IN · MI

884 banks in the $1B-$10B peer group nationally 17 in IN

Horizon Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 36.6% in tier
+ Net Interest Margin 0.63% above tier average
+ Efficiency Ratio 9.66% below tier average
+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 8.1% in tier
- Deposit Outflow: Bottom 35.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$6.5B -14.0% YoY +2.0% QoQ	+$3.7B	$2.8B -0.1% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Top 8.8% in tier
Total Loans ?	$4.8B -0.5% YoY +0.0% QoQ	+$2.9B	$2.0B +0.6% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 7.4% in tier
Total Deposits ?	$5.5B -6.0% YoY +2.7% QoQ	+$3.2B	$2.3B -0.3% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Top 8.3% in tier
Return on Assets ?	1.79% +33.2% YoY +191.6% QoQ	+0.43%	1.37% +19.6% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	4.45% +45.0% YoY +22.9% QoQ	+0.63%	3.82% +6.9% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	Top 13.1% in tier
Efficiency Ratio ?	51.40% -3.5% YoY -12.7% QoQ	-9.66%	61.06% -4.6% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.76% +22.3% YoY +5.8% QoQ	-0.12%	0.89% +14.1% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	87.97% +5.8% YoY -2.6% QoQ	+3.77%	84.20% +0.3% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	22.11% +7.0% YoY +2.3% QoQ	+0.82%	21.29% -2.5% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.60% +46.4% YoY +7.3% QoQ	-0.07%	0.67% +15.6% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	12.35% +3.2% YoY +3.0% QoQ	-2.81%	15.16% +2.0% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.17% -23.2% YoY -74.4% QoQ	-0.09%	0.26% +1.6% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	61%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#82 of 221 • Top 36.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.79%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Capital Constraint

risk

#4 of 37 • Bottom 8.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 87.97%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.35%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

Deposit Outflow

decline

#47 of 130 • Bottom 35.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Total Loans

size

Value: $4.84B

Peer Median: $1.96B

#66 of 884 Top 7.4% in $1B-$10B

Total Deposits

size

Value: $5.50B

Peer Median: $2.34B

#74 of 884 Top 8.3% in $1B-$10B

Total Assets

size

Value: $6.54B

Peer Median: $2.82B

#79 of 884 Top 8.8% in $1B-$10B

117

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.82%

#117 of 884 Top 13.1% in $1B-$10B

143

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.37%

#143 of 884 Top 16.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available