Horizon Bancorp, Inc. (Horizon) is a bank holding company. Horizon provides a range of banking services in northern and central Indiana and southern and central Michigan through its bank subsidiary, Horizon Bank (Horizon Bank or the Bank), and other affiliated entities and Horizon Risk Management, Inc. Horizon is a full-service commercial bank offering commercial and retail banking services, corporate and individual trust and agency services, and other services incident to banking. Its wholly owned Horizon Risk Management, Inc. is a captive insurance company. Its loan portfolio consists of commercial loans, real estate loans and mortgage warehouse loans. Horizon's retail offerings include prime residential, indirect auto, and other secured consumer lending to in market customers, as well as a range of personal banking and wealth management solutions. It also provides business banking and treasury management services.