•risks related to the development and use of artificial intelligence (AI);
Sees AI as a riskDetail: GeneralSame as last periodNew since the annual report
Horizon Bancorp Inc
HBNC · IN · Mid-size bank ($1B to $50B)
Total assets of FDIC-insured bank subsidiaries: $6.4B at the end of 2025
Filings on the SEC website · This bank on Bankgraph
In short. In its 2025 annual report, Horizon Bancorp Inc mentions AI in 2 passages. It lists AI as a risk and explains how AI is controlled. Compared with banks of its size, it gives more detail than most.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
2 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
Names an area
What it says
Sees AI as a risk
Kinds of AI named
Generative AI, Machine learning
How AI is controlled
Human review, Model risk management, Vendor oversight
AI in its annual reports over time
- What this shows
- How many passages about AI each annual report contains, 2022 to 2025, by what they say.
- What it means
- 0 passages in 2022, 2 passages in 2025.
- How to read it
- Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Show as a table
| Report year | Using or planning AI | Explains how AI is controlled | Sees AI as a risk | Other mentions |
|---|---|---|---|---|
| 2022 | ||||
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| 2023 | ||||
| 2023 | ||||
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| 2025 | ||||
| 2025 | ||||
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| 2025 |
Compared with banks of its size
- What this shows
- This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
- What it means
- Its most specific passage is "Names an area"; for banks of its size the typical level is "General".
- How to read it
- Yes or no for this bank; the share of banks of the same size for comparison.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
| In the 2025 report | This bank | Banks of its size |
|---|---|---|
| Using AI now | No | 26 of 221 (12%) |
| Explains how AI is controlled | Yes | 55 of 221 (25%) |
| Sees AI as a risk | Yes | 184 of 221 (83%) |
| Mentions generative AI | Yes | 112 of 221 (51%) |
| Mentions AI agents | No | 18 of 221 (8%) |
What changed from 2024
0 passages new in the 2025 report, 0 passages from the 2024 report no longer there.
Every passage about AI
- What this shows
- All 8 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
- What it means
- 0 passages say the bank is using AI now.
- How to read it
- Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
- Where it comes from
- Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Quarterly report, Q2 2026 filed 7 Aug 2026
Quarterly report, Q1 2026 filed 8 May 2026
•risks related to the development and use of artificial intelligence (AI);
Sees AI as a riskDetail: GeneralSame as last periodNew since the annual report
Annual report, report year 2025 filed 13 Mar 2026
The adoption of artificial intelligence tools by us and our third-party vendors and service providers may increase the risk of errors, omissions, unfair treatment, or fraudulent behavior by our employees, clients, or counterparties, or other third parties.
Sees AI as a riskDetail: GeneralSame as last year
Similar wording appears in 8 other banks' reports.
Our adoption of artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies that collect, aggregate, analyze, or generate data or other materials or content (collectively, “AI”), is limited for internal currently, and we expect to continue to adopt such tools as appropriate. In addition, we expect our third-party vendors and service providers to increasingly develop and incorporate AI into their product offerings. There are significant risks involved in utilizing AI and no assurance can be provided that our or our third-party vendors’ or service providers’ use of AI will enhance our or our third-party vendors’ or service providers’ products or services or produce the intended results. The adoption and incorporation of such tools can lead to concerns around safety and soundness, fair access to financial services, fair treatment of consumers, and compliance with applicable laws and regulations. Such risk can result from models being poorly designed or faulty data being used, inadequate model testing or validation, narrow or limited human oversight, inadequate planning or due diligence, inappropriate or controversial data practices by developers or end-users, and other factors adversely affecting public opinion of AI and the acceptance of AI solutions. Furthermore, given the pace of rapid adoption of such tools by vendors and service providers, we may not be aware of the addition of AI solutions prior to such tools being introduced into our environment. Failure to adequately manage AI risks can result in erroneous results and decisions made by misinformation, unwanted forms of bias, unauthorized access to sensitive, confidential, proprietary, or personal information, and violations of applicable laws and regulations, leading to operational inefficiencies, competitive harm, reputational harm, ethical challenges, legal liability, losses, fines, and other adverse impacts on our business and financial results.
Sees AI as a riskDetail: Names an areaMachine learningGenerative AISame as last year
Similar wording appears in 7 other banks' reports.
Quarterly report, Q3 2025 filed 10 Nov 2025
•risks related to the development and use of artificial intelligence (AI);
Sees AI as a riskDetail: GeneralSame as last periodNew since the annual report
Quarterly report, Q2 2025 filed 11 Aug 2025
•risks related to the development and use of artificial intelligence (AI);
Sees AI as a riskDetail: GeneralNew this periodNew since the annual report
Annual report, report year 2024 filed 14 Mar 2025
The adoption of artificial intelligence tools by us and our third-party vendors and service providers may increase the risk of errors, omissions, unfair treatment, or fraudulent behavior by our employees, clients, or counterparties, or other third parties.
Sees AI as a riskDetail: GeneralNew this year
Our adoption of artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies that collect, aggregate, analyze, or generate data or other materials or content (collectively, “AI”), is limited for internal currently, and we expect to continue to adopt such tools as appropriate. In addition, we expect our third-party vendors and service providers to increasingly develop and incorporate AI into their product offerings. There are significant risks involved in utilizing AI and no assurance can be provided that our or our third-party vendors’ or service providers’ use of AI will enhance our or our third-party vendors’ or service providers’ products or services or produce the intended results. The adoption and incorporation of such tools can lead to concerns around safety and soundness, fair access to financial services, fair treatment of consumers, and compliance with applicable laws and regulations. Such risk can result from models being poorly designed or faulty data being used, inadequate model testing or validation, narrow or limited human oversight, inadequate planning or due diligence, inappropriate or controversial data practices by developers or end-users, and other factors adversely affecting public opinion of AI and the acceptance of AI solutions. Furthermore, given the pace of rapid adoption of such tools by vendors and service providers, we may not be aware of the addition of AI solutions prior to such tools being introduced into our environment. Failure to adequately manage AI risks can result in erroneous results and decisions made by misinformation, unwanted forms of bias, unauthorized access to sensitive, confidential, proprietary, or personal information, and violations of applicable laws and regulations, leading to operational inefficiencies, competitive harm, reputational harm, ethical challenges, legal liability, losses, fines, and other adverse impacts on our business and financial results.
Sees AI as a riskDetail: Names an areaMachine learningGenerative AINew this year
1 passage in legal noticesThe forward-looking statements notice at the start or end of a filing. It often lists AI among many risks. It is never counted., not counted
E X C E P T I O N A L S E R V I C E • S E N S I B L E A D V I C E ® Expanding Technology Capabilities NEW IN 2022 • Online account opening platform enhanced, adding new products and improved client experience • Developed real-time API automations anticipating customer needs and expand marketing/sales calling efforts • Improved mobile banking to include account opening and branch appointment setting • In queue to be early adopter of FedNow service that instantly sends/receives payments from account to account Growing Customer Base Digitally and Efficiently • 19% of accounts opened online on average YTD’22, up from 2% in 2020 • 73% of transactions performed online YTD’22 • 84% of on-line inquires effectively answered by chat Bots Continued Investment in Client & Shareholder Value • Launched Credit Advisor within on-line/mobile platforms helping clients manage credit scores/financial wellness • Expanded data warehouse talent and capabilities, leveraging analytics to elevate marketing campaigns and sales calling • Implemented new construction administration platform, improving client experience while reducing operational risk • Continued expansion of Interactive Teller Machine (ITM) network, increasing client convenience and lowering distribution cost Nimble In-House Core Processing • Allows for ease of implementation of best-in-class strategic partners • In-house talent provides flexibility for custom development and functionality • Creates ability to integrate mergers at an accelerated pace and lower cost structure 12