Total Assets
$135M
Total balance-sheet footings
FDIC Cert #34748 · Batesville, Indiana · Est. 1998
ClearPoint Federal Bank & Trust - FDIC Bank Health Profile
A community-scale look at ClearPoint Federal Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $135M
- Total assets
- A
- Health grade · Excellent
- 1.89%
- Return on assets
- 18.9%
- Tier 1 capital
Data updated July 2026
The verdict
ClearPoint Federal Bank & Trust earns a PlainBankData health grade of A (89/100), with well-capitalized at 18.88% Tier 1, profitable at 1.89% ROA, 74% efficiency ratio.
- #3,483
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 18.88%
- Tier 1 ratio - above the 10% well-capitalized line
- 88th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How ClearPoint Federal Bank & Trust's 89/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
ClearPoint Federal Bank & Trust's composite health score
Tier 1 Capital Ratio (18.88%) 40/40
Return on Assets (ROA) (1.89%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (74.12%) 4/15
89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$113M
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where ClearPoint Federal Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. ClearPoint Federal Bank & Trust's score of 89/100 falls in the highlighted band.
ClearPoint Federal Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). ClearPoint Federal Bank & Trust's $135M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.88%
Texas Ratio
0.00%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.89%
Return on Equity (ROE)
14.75%
Efficiency Ratio
74.12%
What the numbers say about ClearPoint Federal Bank & Trust
ClearPoint Federal Bank & Trust is an FDIC-insured institution (Certificate #34748) headquartered in Batesville, Indiana, established in 1998. It holds $135M in total assets - 3,483rd of 4,313 FDIC-insured banks, $113M in customer deposits, and - in net loans. Its capital position: a Tier 1 ratio of 18.88%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (89 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
ClearPoint Federal Bank & Trust is a community-scale institution -- 79th of 90 FDIC-insured banks headquartered in Indiana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$8M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. ClearPoint Federal Bank & Trust reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) ClearPoint Federal Bank & Trust (FDIC Cert #34748) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is ClearPoint Federal Bank & Trust's health grade?▼
ClearPoint Federal Bank & Trust receives a health grade of A (89/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is ClearPoint Federal Bank & Trust?▼
ClearPoint Federal Bank & Trust holds $135M in total assets and $113M in deposits, ranking 3,483rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Batesville, Indiana.
Is my money safe at ClearPoint Federal Bank & Trust?▼
Yes, deposits at ClearPoint Federal Bank & Trust (Certificate #34748) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is ClearPoint Federal Bank & Trust's Tier 1 Capital Ratio?▼
ClearPoint Federal Bank & Trust has a Tier 1 Capital Ratio of 18.88%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for ClearPoint Federal Bank & Trust?▼
ClearPoint Federal Bank & Trust has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is ClearPoint Federal Bank & Trust?▼
ClearPoint Federal Bank & Trust has an Efficiency Ratio of 74.12%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read ClearPoint Federal Bank & Trust's profile as a depositor or analyst.
- ClearPoint Federal Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare ClearPoint Federal Bank & Trust against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.