The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

  UNITED STATES SECURITIES AND EXCHANGE COMMISSION OMB APPROVAL
 Washington, D.C. 20549
FORM 13F
OMB Number:   3235-0006
Estimated average burden
hours per response:       23.8


FORM 13F COVER PAGE


Report for the Calendar Year or Quarter Ended:
09-30-2025
 
Check here if Amendment:      Amendment Number:
 
This Amendment (Check only one.):    is a restatement.
     adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:HORIZON BANCORP INC /IN/ 
Address:515 FRANKLIN STREET 
 MICHIGAN CITY IN 46360 

Form 13F File Number:  028-06479 
CRD Number (if applicable):   
SEC File Number (if applicable):   


The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:Rebecca L. Greenlaw 
Title:VP, Trust Operations and Risk Management 
Phone: 219-873-2618 

Signature, Place, and Date of Signing:

/s/ Rebecca L. Greenlaw Michigan City,  INDIANA 10-21-2025 
[Signature][City, State][Date]

Do you wish to provide information pursuant to Special Instruction 5?        Yes      X  No

Report Type (Check only one.):

X  13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)

     13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)

     13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)


Form 13F Summary Page

Report Summary:

Number of Other Included Managers:
Form 13F Information table Entry Total:189 
Form 13F Information table Value Total:209,665 
 (round to nearest dollar)

List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F number(s) of all institutional investement managers with respect to which this report is filed, other than the manager filing this report.


     NONE

FORM 13F INFORMATION TABLE

COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIPFIGI VALUE
(round to nearest dollar)
SHRS OR
PRN AMT
SH /
PRN
PUT /
CALL
INVESTMENT
DISCRETION
OTHER
MANAGER
VOTING AUTHORITY
SOLESHAREDNONE
AT&T IncCom00206R102-431,506SH-OTR-2801,478
Ark ETF TrCom00214Q104-21240SH-OTR-00240
Abbott LabsCom002824100-6224,644SH-OTR-14204,502
Abbvie IncCom00287Y109-3941,700SH-OTR-001,700
Adobe Systems IncCom00724F101-231655SH-OTR-290626
Advanced Micro DevicesCom007903107-4602,841SH-OTR-13102,710
Alphabet Inc Cl CCom02079K107-7222,965SH-OTR-13102,834
Alphabet Inc Cl ACom02079K305-8973,689SH-OTR-16303,526
Amazon.Com IncCom023135106-1,3516,153SH-OTR-34905,804
American Electric & Power COCom025537101-65576SH-OTR-00576
American Tower Corp REITCom03027X100-2621,360SH-OTR-6201,298
CENCORA INCCom03073E105-3591,149SH-OTR-5101,098
Analog DevicesCom032654105-2581,050SH-OTR-4401,006
Elevance Health INCCom036752103-4331,341SH-OTR-001,341
Apple IncCom037833100-1,6246,379SH-OTR-28706,092
Bath & Body Works IncCom070830104-1535,945SH-OTR-26005,685
Becton Dickinson & CoCom075887109-167892SH-OTR-420850
Berkshire Hathaway Inc Class BCom084670702-7351,462SH-OTR-5501,407
Biogen IncCom09062X103-1441,027SH-OTR-490978
Blackstone Group IncCom09260D107-4602,694SH-OTR-12202,572
BlackRock Inc.Com09290D101-5446SH-OTR-4042
Boeing CoCom097023105-2261,047SH-OTR-4301,004
Bristol Myers Squibb CoCom110122108-1282,846SH-OTR-12902,717
Broadcom LtdCom11135F101-3581,086SH-OTR-5401,032
CDW CorpCom12514G108-31192SH-OTR-210171
CVS Health CorpCom126650100-3124,137SH-OTR-21003,927
Carrier Global CorporationCom14448C104-1853,091SH-OTR-15102,940
Caterpillar Inc DelCom149123101-257538SH-OTR-170521
Chemours CO ComCom163851108-140SH-OTR-0040
Chevron CorpCom166764100-2251,446SH-OTR-37501,071
Chipotle Mexican Grill IncCom169656105-2305,865SH-OTR-27705,588
Cisco Systems IncCom17275R102-3414,978SH-OTR-27004,708
Citigroup Inc NewCom172967424-2572,530SH-OTR-8102,449
Coca Cola COCom191216100-2804,224SH-OTR-15904,065
Comcast Corp Cl ACom20030N101-1735,504SH-OTR-24805,256
ConocophillipsCom20825C104-10108SH-OTR-28080
Consolidated Edison IncCom209115104-14144SH-OTR-00144
Constellation Brands Inc Cl ACom21036P108-17125SH-OTR-00125
Corteva Inc ComCom22052L104-3164,670SH-OTR-004,670
Costco Wholesale CorpCom22160K105-593641SH-OTR-280613
Cummins IncCom231021106-50118SH-OTR-00118
DTE EnergyCom233331107-20143SH-OTR-00143
DT Midstream IncCom23345M107-766SH-OTR-0066
Disney Walt COCom254687106-2642,304SH-OTR-8302,221
Dow IncCom260557103-4170SH-OTR-00170
DuPont de Nemours Inc ComCom26614N102-1471,881SH-OTR-7901,802
EOG Resources Inc ComCom26875P101-1871,665SH-OTR-6901,596
Eaton Vance Ltd Duration IncomCom27828H105-042SH-OTR-0042
Edison IntlCom281020107-07SH-OTR-007
Exxon Mobil CorpCom30231G102-3703,282SH-OTR-9103,191
Meta Platforms Inc Cl ACom30303M102-9141,244SH-OTR-5701,187
Fedex CorpCom31428X106-37155SH-OTR-140141
Finward BancorpCom31812F109-9268SH-OTR-00268
First Financial BancorpCom320209109-873,426SH-OTR-3,42600
First Trust Financials AlphadexCom33734X135-53898SH-OTR-1470751
Flexshares Morningstar Global UpsCom33939L407-2,68261,269SH-OTR-13,144048,125
Flexshares IBOXX 3 Year Target DateCom33939L506-8,426346,313SH-OTR-61,9750284,338
Flexshares High Yield VL ETFCom33939L662-5,208126,408SH-OTR-21,1210105,287
Flexshares Credit Scored US Corp BondCom33939L761-8,420170,967SH-OTR-30,8050140,162
Flexshares Quality Dividend Index ETFCom33939L860-2,86936,134SH-OTR-6,705029,429
Fortrea Holdings IncCom34965K107-1128SH-OTR-00128
Freeport McMoran IncCom35671D857-1122,856SH-OTR-12402,732
GE Healthcare Technologies IncCom36266G107-113SH-OTR-0013
General Dynamics CorpCom369550108-287841SH-OTR-360805
GSK PLC ADrCom37733W204-2616,035SH-OTR-31005,725
Goldman Sachs Physical Gold UnitCom38150K103-45812,015SH-OTR-9,49502,520
Grainger IncCom384802104-1617SH-OTR-0017
HCA Healthcare IncCom40412C101-410SH-OTR-0010
Halliburton COCom406216101-20804SH-OTR-780726
Healthpeak Pptys IncCom42250P103-3133SH-OTR-00133
Home Depot IncCom437076102-325802SH-OTR-360766
Honeywell International IncCom438516106-2851,354SH-OTR-6001,294
Horizon Bancorp IncCom440407104-9,319582,099SH-OTR-21,0600561,039
Intel CorpCom458140100-1073,194SH-OTR-3703,157
Intercontinental Exchange IncCom45866F104-2071,227SH-OTR-5301,174
International Business MachinesCom459200101-1762SH-OTR-3059
International Flavors & FragranceCom459506101-464SH-OTR-0064
Invesco QQQ Tr ETFCom46090E103-1322SH-OTR-0022
IntuitCom461202103-147215SH-OTR-60209
Invesco Aerospace & Defense ETFCom46137V100-210SH-OTR-0010
Invesco Dynamic PharmaceuticalsCom46137V662-14148SH-OTR-56092
Invesco Dwa Basic MaterialsCom46137V704-17157SH-OTR-560101
Invesco Dwa Energy Momentum ETFCom46137V878-114SH-OTR-1400
Ishares Core S&P 500 ETFCom464287200-6394SH-OTR-0094
Ishares Msci Emerging MarketsCom464287234-7,885147,665SH-OTR-24,7780122,887
Ishares Msci Eafe IndexCom464287465-9,635103,190SH-OTR-18,244084,946
Ishares Expanded Tech Sector ETFCom464287549-5434,308SH-OTR-64203,666
Ishares Nasdaq BiotechnologyCom464287556-26181SH-OTR-360145
Ishares Russell 2000 Value ETFCom464287630-26145SH-OTR-00145
Ishares Russell 2000 GrowthCom464287648-58182SH-OTR-00182
Ishares Russell 2000 IndexCom464287655-6,87228,401SH-OTR-4,575023,826
Ishares Core S&P Smallcap ETFCom464287804-215SH-OTR-0015
Ishares Trust EAFE Small Cap ETFCom464288273-1131,476SH-OTR-001,476
Ishares Intermediate Government Credit ETFCom464288612-30,747286,189SH-OTR-60,6510225,538
Ishares Tr EAFE Value ETFCom464288877-1712,520SH-OTR-002,520
Ishares Core Msci Eafe ETFCom46432F842-8,56798,119SH-OTR-17,109081,010
Ishares Exponential Technologies ETFCom46434V381-117SH-OTR-0017
JPMorganCom46625H100-1,0543,343SH-OTR-15403,189
Johnson & JohnsonCom478160104-183986SH-OTR-580928
Kkr & Co Inc/shCom48251W104-2211,698SH-OTR-5401,644
Kraft Heinz CompanyCom500754106-135SH-OTR-0035
L3 Harris Technologies Inc ComCom502431109-65214SH-OTR-00214
Estee Lauder Cos IncCom518439104-113SH-OTR-0013
Lilly Eli & COCom532457108-116152SH-OTR-00152
Marsh & McLennan Cos IncCom571748102-2131,059SH-OTR-4601,013
Masco CorporationCom574599106-5968,473SH-OTR-008,473
Mastercard IncCom57636Q104-7311,286SH-OTR-5601,230
McDonalds CorpCom580135101-105346SH-OTR-140332
Merck & CO IncCom58933Y105-34407SH-OTR-00407
Microsoft CorpCom594918104-2,0553,968SH-OTR-20503,763
Microchip Technology Inc.Com595017104-692SH-OTR-0092
Mondelez International IncCom609207105-2243,582SH-OTR-18503,397
Motorola Solutions IncCom620076307-3066SH-OTR-0066
Netflix IncCom64110L106-199166SH-OTR-50161
Nextera Energy IncCom65339F101-2092,763SH-OTR-12402,639
Nike IncCom654106103-1562,242SH-OTR-10802,134
Nisource IncCom65473P105-70116,197SH-OTR-0016,197
Norfolk Southern CorpCom655844108-4411,469SH-OTR-6401,405
Nvidia CorpCom67066G104-2,43013,023SH-OTR-575012,448
Occidental Petroleum CorpCom674599105-14300SH-OTR-00300
Oracle CorpCom68389X105-1,5215,407SH-OTR-9105,316
Organon & CoCom68622V106-151SH-OTR-0051
PPL CorpCom69351T106-242SH-OTR-0042
Palantir Technologies Inc Cl ACom69608A108-18100SH-OTR-00100
Palo Alto Networks IncCom697435105-2441,199SH-OTR-5001,149
Paypal Hldgs IncCom70450Y103-2984,440SH-OTR-19404,246
Pepsico IncCom713448108-15104SH-OTR-12092
Pfizer IncCom717081103-1,76369,186SH-OTR-338068,848
Portillos IncCom73642K106-050SH-OTR-0050
Procter & Gamble COCom742718109-2021,314SH-OTR-5801,256
Public Svc Enterprise Grp IncCom744573106-10120SH-OTR-00120
Qualcomm IncCom747525103-24145SH-OTR-00145
RTX CORPORATIONCom75513E101-5313,172SH-OTR-9303,079
SPDR S&P 500Com78462F103-9051,358SH-OTR-15401,204
SPDR Gold SharesCom78463V107-720SH-OTR-0020
Spdr Ix Shs Fun/Dow Jones Intl Rl ETFCom78463X863-6208SH-OTR-00208
SPDR S&P 500 Value ETFCom78464A508-236SH-OTR-0036
SPDR S&P Regional Banking ETFCom78464A698-11176SH-OTR-530123
SPDR S&P DividendCom78464A763-1801,286SH-OTR-001,286
SPDR S&P 500 Large Cap ETFCom78464A854-229SH-OTR-0029
SPDR S&P Kensho New Economies Composite ETFCom78468R648-18SH-OTR-008
Salesforce Com IncCom79466L302-3061,293SH-OTR-5901,234
Sandstorm Gold LtdCom80013R206-6478SH-OTR-00478
SchlumbergerCom806857108-1855,396SH-OTR-15405,242
Charles Schwab CorpCom808513105-3213,366SH-OTR-14103,225
Schwab Strategic TrCom808524797-260SH-OTR-0060
Select Sector SpdrCom81369Y308-35445SH-OTR-00445
SPDR Energy Select Sector SPDRCom81369Y506-1361,521SH-OTR-3101,490
Select Sector SpdrCom81369Y860-236SH-OTR-0036
SPDR Utilities Select SectorCom81369Y886-1571,805SH-OTR-6501,740
Servicenow IncCom81762P102-319347SH-OTR-140333
Solventum CorpCom83444M101-562SH-OTR-0062
Southwest Airlines COCom844741108-130SH-OTR-0030
Starbucks CorpCom855244109-330SH-OTR-0030
TJX Cos IncCom872540109-4002,765SH-OTR-16002,605
Tapestry IncCom876030107-1641,451SH-OTR-4701,404
Textron IncCom883203101-28330SH-OTR-00330
3M COCom88579Y101-39250SH-OTR-00250
Topbuild Corp/shCom89055F103-356911SH-OTR-00911
Truist Finl CorpCom89832Q109-551,210SH-OTR-12501,085
Vaneck ETF Trust AgriBusinessCom92189F700-112SH-OTR-1200
Vanguard Bd Index FdsCom921937835-44,888603,580SH-OTR-121,4250482,155
Vanguard Ftse Emerging MarketsCom922042858-027SH-OTR-0027
Vanguard Consumer DiscretionaryCom92204A108-130329SH-OTR-550274
Vanguard Consumer Staples ETFCom92204A207-62288SH-OTR-440244
Vanguard Financials ETFCom92204A405-87666SH-OTR-680598
Vanguard Health Care Index FundCom92204A504-83319SH-OTR-400279
Vanguard Industrials ETFCom92204A603-85288SH-OTR-300258
Vanguard Info TechCom92204A702-3750SH-OTR-0050
Vanguard Communication ServicesCom92204A884-80428SH-OTR-300398
Vanguard Mid-Cap Value ETF VoeCom922908512-1,1126,367SH-OTR-81805,549
Vanguard Mid-Cap Growth IndexCom922908538-1,0893,708SH-OTR-47503,233
Vanguard REIT ETFCom922908553-2,46126,918SH-OTR-4,324022,594
Vanguard Index Funds Smallcap Growth ETFCom922908595-110371SH-OTR-890282
Vanguard Index Funds Smallcap Value ETFCom922908611-103494SH-OTR-1190375
Vanguard Index Funds Growth ETFCom922908736-10,63622,176SH-OTR-3,128019,048
ETF Vanguard ValueCom922908744-10,20654,726SH-OTR-7,694047,032
Verizon Communications IncCom92343V104-4103SH-OTR-00103
Viatris IncCom92556V106-8864SH-OTR-00864
Visa Inc Cl ACom92826C839-136400SH-OTR-00400
Wec Energy Group IncCom92939U106-868SH-OTR-0068
Wabtec CorpCom929740108-01SH-OTR-001
Wal-Mart IncCom931142103-25247SH-OTR-00247
Dap RightsCom931CVR013-0725SH-OTR-00725
Wells Fargo & COCom949746101-21255SH-OTR-1240131
Zimmer Biomet Holdings IncCom98956P102-1811,836SH-OTR-8801,748
AON PLC Shs Cl AComG0403H108-103290SH-OTR-00290
Accenture PLCComG1151C101-216875SH-OTR-460829
Eaton Corp PLC ShsComG29183103-252674SH-OTR-180656