Celebrating 150 Years of Strength, Stability and Resilience

Time Tested
Horizon has been in business for 150 years and it has survived over 30 economic downturns, from the Great Depression, the rapidly rising interest rates of the early 1980s, and the Great Recession to the current environment. Our long-term business philosophy of serving local businesses and individuals, and providing loans to qualified borrowers, has helped the bank, its shareholders, and its customers weather these economic storms.

Solid Financial Performance
Horizon continues to prosper as demonstrated by solid earnings in each of the last 20 years. In addition, Horizon has paid uninterrupted dividends on its common shares for over 30 years.

Sensible Advice
Horizon has a long history of helping people through tough times. We listen and seek to provide sensible advice. We recognize that a business or family’s financial stability can change quickly. Therefore, we encourage our customers, and non-customers alike, to talk with us about ways we may be able to help.

Experienced Leadership
Our management team, both executive leadership and Regional/Market Presidents, consist of seasoned officers, many of whom have weathered several economic downturns. We feel confident in our ability to navigate today’s financial challenges.

Solid Capital Position
Horizon is well-capitalized as defined by all regulatory guidelines.

Diversified Business Model
Horizon’s business model is well diversified across its multiple business lines of commercial, consumer, wealth management, and mortgage. Additionally, Horizon's customers are geographically diverse across our 70+ locations in Indiana and Michigan. The Bank is not highly concentrated in any one specific business vertical, and we have no exposure to high-risk segments such as cryptocurrencies.

Local Decision Making
All decisions impacting our customers are made locally, rather than by a corporate entity hundreds or thousands of miles away. We provide one-on-one, face-to-face consultations to see how we can help our customers.

Diligent Risk Management
Horizon’s loan portfolios have historically performed better than the overall banking sector during various economic cycles, and we expect this trend to continue.

Reinvestment in our Communities
Because we are a local company, we reinvest our profits locally. We also contribute extensively to local not-for-profit organizations through both volunteer work and contributions. Horizon encourages employees to volunteer with organizations that have special meaning for them. As a result, more than 500 organizations throughout our region have benefited from these efforts.

Continued Growth
Horizon Bank is one of the area’s largest employers in the northwestern Indiana and southwestern Michigan area with over 900 advisors living and working in the communities we serve and call home. We continue to expand our services into additional communities throughout Indiana and Michigan – bringing more jobs to the area and giving more consumers the opportunity to bank locally.

Customer Deposits Are Safe
Horizon’s deposits are insured by the FDIC for up to $250,000 per depositor for each ownership category with additional ways to get even more FDIC coverage for deposit accounts. No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933. (See www.fdic.gov)

Expanded FDIC Insurance Program Available
Horizon also offers multi-million dollar FDIC deposit insurance coverage programs known as CDARs & IFS for large depositors.

Indiana Municipal Deposit Insurance Fund
Indiana has a deposit insurance reserve for municipalities, in addition to the FDIC insurance, which provides additional cushion for our local Indiana municipalities.