Horizon Bank is a bank based in Michigan City, Indiana, established in 1873, with $6.5 billion in total assets across 79 branches. By Trust Grade it ranks 17th of 89 banks we track in Indiana. Its capital ratio of 11.9% is stronger than 77% of similarly sized banks, versus a Indiana median of 9.6%. It was profitable over the most recent period, with a 1.79% return on assets. No consumer complaints against Horizon Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Horizon Bank compares to Indiana peers
How we graded Horizon Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.9% capital ratio)
- Strongly profitable (ROA 1.79%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Horizon Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (79)
- 521 W Main St, Gaylord, MI 49735
- 2500 S I 75 Business Loop, Grayling, MI 49738
- 2910 Jefferson Ave, Midland, MI 48640
- 1200 N Baldwin Ave, Marion, IN 46952
- 117 East First Street, Wanatah, IN 46390
- 1500 Lincolnway, Laporte, IN 46350
- 423 Roosevelt St, Chesterton, IN 46304
- 4208 Calumet Ave, Valparaiso, IN 46383
- 2650 Willowcreek Rd, Portage, IN 46368
- 515 Franklin St, Michigan City, IN 46360
- 3631 Franklin St, Michigan City, IN 46360
- 2901 E Market St, Logansport, IN 46947
- 100 West Main Street, Edinburgh, IN 46124
- 9835 Lima Rd, Fort Wayne, IN 46818
- 433 Anchorage Rd, Warsaw, IN 46580
- 411 S Huntington St, Syracuse, IN 46567
- Johnson Road And Cr 400 N, Michigan City, IN 46360
- 301 Boyd Blvd, Laporte, IN 46350
- 307 E Jackson St, Attica, IN 47918
- 144 W Huron Rd, Au Gres, MI 48703
- 7409 W Houghton Lake Dr, Houghton Lake, MI 48629
- 101 N Roland St, Mcbain, MI 49657
- 1408 N Mitchell St, Cadillac, MI 49601
- 106 W Columbia St, Flora, IN 46929
- 330 N Creasy Ln, Lafayette, IN 47905
- 112 S Washington St, Kokomo, IN 46901
- 1349 Calumet Avenue, Hammond, IN 46394
- 1300 N Main St, Crown Point, IN 46307
- 1345 E M 21, Owosso, MI 48867
- 655 3rd St, Columbus, IN 47201
- 1213 W Michigan Ave, Three Rivers, MI 49093
- 211 W Main St, Fremont, MI 49412
- 123 S Main St, Columbia City, IN 46725
- 114 S Detroit St, Lagrange, IN 46761
- 515 Franklin St, Michigan City, IN 46360
- 126 E 5th St, Michigan City, IN 46360
- Three Notch Lane, Bargersville, IN 46106
- 302 S Mitchell St, Cadillac, MI 49601
- 800 Us 31 S, Greenwood, IN 46143
- 625 S Wayne St, Waterloo, IN 46793
Are deposits at Horizon Bank insured?
Yes. Horizon Bank is an FDIC-insured bank (FDIC certificate #4360). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Horizon Bank: frequently asked questions
Is Horizon Bank a good bank?
Horizon Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.9% capital ratio); Strongly profitable (ROA 1.79%).
Is Horizon Bank FDIC-insured?
Yes. Horizon Bank is a FDIC-insured bank (FDIC certificate #4360). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Horizon Bank?
Horizon Bank holds $6.5 billion in total assets, ranking 17th of 89 banks we track in Indiana. It operates 79 branches.
Does Horizon Bank have CFPB complaints?
No CFPB complaints against Horizon Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
