Horizon Bancorp, Inc. (HBNC) Q1 2026 Earnings Call Transcript

Operator

Good morning, everyone, and welcome to the Horizon Bancorp conference call to discuss the financial results for the first quarter of 2026.

[Operator Instructions]

Now, I will turn the call over to Mr. Todd Etzler, Executive Vice President, Corporate Secretary and General Counsel, for the opening introduction. Please go ahead.

Todd Etzler
Executive VP, Chief Legal and Risk Officer & Corporate Secretary

Good morning, and welcome to our conference call to review Horizon’s first quarter results. Please remember that today’s call may contain statements that are forward-looking in nature.

These statements are subject to risks, uncertainties and other factors that could cause actual results to differ materially from those discussed, including those factors noted in the slide presentation.

Additional information about factors that could cause actual results to differ materially is contained in Horizon’s most recent Form 10-K and its later filings with the Securities and Exchange Commission.

In addition, management may refer to certain non-GAAP financial measures that are intended to help investors understand Horizon’s business. Reconciliations for these measures are contained in the presentation.

The company assumes no obligation to update any forward-looking statements made during the call. For anyone who does not already have a copy of the press release and supplemental