Bank · FDIC insured
Horizon Bank
A $6.5B bank, the 232nd largest of 4,207, headquartered in Michigan City, IN, with 74 branches in 2 states. Best rates: CDs 4.05% and savings 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: no rate at the amounts we compare. Auto loans: no rates found on its website.
- CDs—4.05%CD rates →
- Savings—3.75%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Horizon Bank
- Headquarters
- 515 Franklin St, Michigan City, IN 46360
- FDIC certificate
- 4360 ↗
Branches
74 branches in 2 states
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Indiana
47 branches
Chicago area · 10
- Chesterton Branch423 Roosevelt St, Chesterton, IN 46304Directions
- Crown Point Branch1300 N Main St, Crown Point, IN 46307Directions
- Horizon Bank Branch3599 Grant St, Gary, IN 46408Directions
- Lakefront Branch1349 Calumet Avenue, Hammond, IN 46394Directions
- Merrillville Branch8590 Broadway, Merrillville, IN 46410Directions
- Munster Branch10429 Calumet Ave, Munster, IN 46321Directions
- Portage Branch2650 Willowcreek Rd, Portage, IN 46368Directions
- Horizon Bank Valparaiso-Lincolnway Branch902 Lincolnway, Valparaiso, IN 46383Directions
- Valparaiso Branch4208 Calumet Ave, Valparaiso, IN 46383Directions
- American Trust & Savings Bank Of Whiting Branch1321 119th St, Whiting, IN 46394Directions
Michigan City area · 8
- Horizon BankMain office515 Franklin St, Michigan City, IN 46360Directions
- 710 Indiana Avenue Branch710 Indiana Ave, La Porte, IN 46350Directions
- Eastside Branch301 Boyd Blvd, La Porte, IN 46350Directions
- Laporte Branch1500 Lincolnway, La Porte, IN 46350Directions
- Coolspring Banking Center BranchJohnson Road And Cr 400 N, Michigan City, IN 46360Directions
- Michigan City Branch126 E 5th St, Michigan City, IN 46360Directions
- South Franklin Branch3631 Franklin St, Michigan City, IN 46360Directions
- Wanatah Branch117 East First Street, Wanatah, IN 46390Directions
Indianapolis area · 8
- Bargersville BranchThree Notch Lane, Bargersville, IN 46106Directions
- Carmel Indiana Branch1216 W Carmel Dr, Carmel, IN 46032Directions
- Edinburgh Branch100 West Main Street, Edinburgh, IN 46124Directions
- Franklin Branch420 N Morton St, Franklin, IN 46131Directions
- Greenwood West Branch151 Marlin Dr, Greenwood, IN 46142Directions
- Us 31 South Branch800 Us 31 S, Greenwood, IN 46143Directions
- Indianapolis Branch302 N Alabama St, Indianapolis, IN 46204Directions
- Noblesville Branch44 S 8th St, Noblesville, IN 46060Directions
Lafayette area · 5
- Flora Branch106 W Columbia St, Flora, IN 46929Directions
- 301 South St Branch301 South St, Lafayette, IN 47901Directions
- Creasy Lane Branch330 N Creasy Ln, Lafayette, IN 47905Directions
- Greenbush Branch2134 Greenbush St, Lafayette, IN 47904Directions
- West Lafayette Branch1980 Northwestern Ave, West Lafayette, IN 47906Directions
Fort Wayne area · 3
- Columbia City Branch123 S Main St, Columbia City, IN 46725Directions
- Fort Wayne Downtown110 W Main St, Fort Wayne, IN 46802Directions
- Lima Road Banking Center Branch9835 Lima Rd, Fort Wayne, IN 46818Directions
Auburn area · 2
- 212 West Seventh Street Branch212 W 7th St, Auburn, IN 46706Directions
- Waterloo Branch625 S Wayne St, Waterloo, IN 46793Directions
Warsaw area · 2
- Syracuse Branch411 S Huntington St, Syracuse, IN 46567Directions
- Warsaw Branch433 Anchorage Rd, Warsaw, IN 46580Directions
Attica area · 1
- Jackson Street Branch307 E Jackson St, Attica, IN 47918Directions
Columbus area · 1
- Columbus Main Office655 3rd St, Columbus, IN 47201Directions
Elkhart area · 1
- Elkhart Branch1909 E Bristol St, Elkhart, IN 46514Directions
Kendallville area · 1
- Kendallville Branch116 W Mitchell St, Kendallville, IN 46755Directions
Kokomo area · 1
- Kokomo Downtown Branch112 S Washington St, Kokomo, IN 46901Directions
Lagrange area · 1
- Lagrange Branch114 S Detroit St, Lagrange, IN 46761Directions
Logansport area · 1
- Eastgate Branch2901 E Market St, Logansport, IN 46947Directions
Marion area · 1
- Marion Northwest Branch1200 N Baldwin Ave, Marion, IN 46952Directions
South Bend area · 1
- Horizon Bank South Bend Branch17400 State Road 23, South Bend, IN 46635Directions
Michigan
27 branches
Niles area · 4
- Benton Harbor Branch1041 E Napier Ave, Benton Harbor, MI 49022Directions
- Alliance Bking Branch500 W Buffalo St, New Buffalo, MI 49117Directions
- Niles Road Branch2608 Niles Rd, St. Joseph, MI 49085Directions
- St. Joseph Branch811 Ship St, St. Joseph, MI 49085Directions
Cadillac area · 3
- Cadillac North Mitchell Branch1408 N Mitchell St, Cadillac, MI 49601Directions
- Cadillac South Mitchell Branch302 S Mitchell St, Cadillac, MI 49601Directions
- Mcbain Branch101 N Roland St, McBain, MI 49657Directions
Owosso area · 2
- Corunna Branch310 N Shiawassee St, Corunna, MI 48817Directions
- Owosso East Branch1345 E M 21, Owosso, MI 48867Directions
Lansing area · 2
- 1600 Abbott Road Branch1600 Abbott Rd, East Lansing, MI 48823Directions
- Summit Community Bank Branch2151 W Grand River Ave, Okemos, MI 48864Directions
Grand Rapids area · 2
- Grand Rapids Downtown Branch250 Pearl St Nw, Grand Rapids, MI 49503Directions
- Holland Branch77 E 8th St, Holland, MI 49423Directions
Kalamazoo area · 2
- Horizon Bank Branch151 E Michigan Ave, Kalamazoo, MI 49007Directions
- Kalamazoo Branch3250 W Centre Ave, Portage, MI 49024Directions
Midland area · 2
- Circle Branch2910 Jefferson Ave, Midland, MI 48640Directions
- Eastman Avenue Branch5710 Eastman Ave, Midland, MI 48640Directions
Au Gres area · 1
- Au Gres Branch144 W Huron Rd, Au Gres, MI 48703Directions
Big Rapids area · 1
- Big Rapids Main125 N Michigan Ave, Big Rapids, MI 49307Directions
Charlevoix area · 1
- Charlevoix Bridge Branch1425 Bridge St, Charlevoix, MI 49720Directions
Fremont area · 1
- Fremont Main Branch211 W Main St, Fremont, MI 49412Directions
Gaylord area · 1
- Gaylord Main521 W Main St, Gaylord, MI 49735Directions
Grayling area · 1
- Grayling Business Loop Branch2500 S I 75 Business Loop, Grayling, MI 49738Directions
Houghton Lake area · 1
- Houghton Lake W Branch7409 W Houghton Lake Dr, Houghton Lake, MI 48629Directions
Standish area · 1
- Standish Branch220 S Main St, Standish, MI 48658Directions
Sturgis area · 1
- 1213 W Michigan Branch1213 W Michigan Ave, Three Rivers, MI 49093Directions
Detroit area · 1
- Troy Branch2555 Crooks Rd, Troy, MI 48084Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.52% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.70% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.75% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalLeverage ratio10.52%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.70%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.75%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Horizon Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.