Total Assets
$426M
Total balance-sheet footings
FDIC Cert #4324 · Cloverdale, Indiana · Est. 1913
First National Bank - FDIC Bank Health Profile
A community-scale look at First National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $426M
- Total assets
- B
- Health grade · Good
- 0.49%
- Return on assets
- 16.8%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 16.75% Tier 1, 0.49% ROA, 82% efficiency ratio.
- #2,006
- largest of 4,313 FDIC banks by assets
- 53rd
- percentile by asset size, nationally
- 16.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 15th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First National Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank's composite health score
Tier 1 Capital Ratio (16.75%) 40/40
Return on Assets (ROA) (0.49%) 7/25
Texas Ratio (1.37%) 20/20
Efficiency Ratio (82.31%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$391M
Customer-funded liabilities
Net Loans
$222M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank's score of 67/100 falls in the highlighted band.
First National Bank'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). First National Bank's $426M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.75%
Texas Ratio
1.37%
Equity Capital
$32M
Profitability metrics
Return on Assets (ROA)
15th percentile nationally
0.49%
Return on Equity (ROE)
6.79%
Efficiency Ratio
82.31%
What the numbers say about First National Bank
First National Bank is an FDIC-insured institution (Certificate #4324) headquartered in Cloverdale, Indiana, established in 1913. It holds $426M in total assets - 2,006th of 4,313 FDIC-insured banks, $391M in customer deposits, and $222M in net loans. Looking at capital strength, Tier 1 stands at 16.75%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.37%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Indiana, First National Bank ranks 48th of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank reports a Texas Ratio of 1.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.37% - 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) First National Bank (FDIC Cert #4324) - 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 First National Bank's health grade?▼
First National Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank?▼
First National Bank holds $426M in total assets and $391M in deposits, ranking 2,006th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cloverdale, Indiana.
Is my money safe at First National Bank?▼
Yes, deposits at First National Bank (Certificate #4324) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank's Tier 1 Capital Ratio?▼
First National Bank has a Tier 1 Capital Ratio of 16.75%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank?▼
First National Bank has a Texas Ratio of 1.37%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank?▼
First National Bank has an Efficiency Ratio of 82.31%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank's profile as a depositor or analyst.
- First National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank 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.