Horizon Bank
Michigan City, IN
IDRSSD: 130541
Total Assets
$6.41B
Latest filing
Total Deposits
$5.35B
Latest filing
Net Interest Margin
4.48%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
6 routesView all→
071201320MICHIGAN CITY, IN074014035MICHIGAN CITY, IN074906428MICHIGAN CITY, IN074914067MICHIGAN CITY, IN271274241MICHIGAN CITY, IN274970050MICHIGAN CITY, IN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Horizon Bank
515 Franklin St
Michigan City, IN 46360
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/21/1873FDIC Certificate 2868
Branches (78)
Page 1 of 12| Name | Address | City / State |
|---|---|---|
| Horizon Bank (Main) | 515 Franklin St | Michigan City, IN |
| GAYLORD MAIN | 521 W Main St | Gaylord, MI |
| GRAYLING BUSINESS LOOP BRANCH | 2500 S I 75 Business Loop | Grayling, MI |
| CIRCLE BRANCH | 2910 Jefferson Ave | Midland, MI |
| MARION NORTHWEST BRANCH | 1200 N Baldwin Ave | Marion, IN |
| WANATAH BRANCH | 117 East First Street | Wanatah, IN |
| LAPORTE BRANCH | 1500 Lincolnway | Laporte, IN |
| CHESTERTON BRANCH | 423 Roosevelt St | Chesterton, IN |
Showing 7 of 78
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/21/1873 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 46360 |
| State and County Number | 18091 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Michigan City-La Porte, IN |
Operational Info
| Number of Employees | 873 |
| Domestic Offices | 79 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.horizonbank.com |
| Data Updated | 01/30/2026 |
| CERT | 4360 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.41B |
| Total Deposits | $5.35B |
| Total Liabilities | $5.64B |
| Total Equity Capital | $768.93M |
| Net Income | $29.73M |
| Net Loans and Leases | $4.84B |
| Assets Per Employee ($Millions) | $7.41M |
| Bank Premises and Fixed Assets | $92.22M |
| Cash and Balances due from Depository Institutions | $135.77M |
| Deposits Held in Domestic Offices | $5.35B |
Key Performance Ratios
| Return on Assets (ROA) | 1.81% |
| Return on Equity (ROE) | 15.75% |
| Net Interest Margin | 4.48% |
| Efficiency Ratio | 49.37% |
| Tier 1 Risk-Based Capital Ratio | 11.996% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.989% |
| Earning Assets to total Assets | 90.23% |
Income and Expense
| Total Interest Income | $89.29M |
| Total Noninterest Income | $11.45M |
| Total Interest Expense | $22.98M |
| Total Noninterest Expense | $39.09M |
| Net Interest Income | $66.31M |
| Pre-tax Net Operating Income | $37.04M |
| Provision for Credit Losses | $1.63M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.15M |
| Other borrowed funds | $159.95M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $88.64M |
| All Other Liabilities | $43.39M |
| Total Liabilities and Capital | $6.41B |
Securities
| Securities | $875.41M |
| Available-for-sale debt securities | $875.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $3.88M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Horizon Bank?
$6.41B as of the latest filing.
How much are Horizon Bank's total deposits?
$5.35B in total deposits.
Where is Horizon Bank located?
Michigan City, IN.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
79.
When was it established?
04/21/1873.
What is the Return on Assets (ROA)?
1.81%.
How much are total loans and leases?
$4.84B (latest filing).
What is the total interest income (latest filing)?
$89.29M.