FDIC Cert #29881 · Martinsville, Indiana · Est. 1890

Home Bank SB - FDIC Bank Health Profile

A community-scale look at Home Bank SB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$433M
Total assets
B
Health grade · Good
0.56%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Home Bank SB earns a PlainBankData health grade of B (69/100), with well-capitalized at 12.26% Tier 1, 0.56% ROA, 85% efficiency ratio.

#1,978
largest of 4,313 FDIC banks by assets
54th
percentile by asset size, nationally
12.26%
Tier 1 ratio - above the 10% well-capitalized line
18th
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.

FDIC Call Report plate

Cert 29881 · IN B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3117/4307
  • PHOTO-FINISH Phoenixville Federal… · PA
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 4.2% Texas
  • ROA-THIN 0.56% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Phoenixville Federal Bank and Trust, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Home Bank SB

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Savings Bank · LA ·…69/100Home Bank SB · IN · this bank69/100Phoenixville Federal… · PA ·…69/100Southern Hills Commu… · OH ·…69/100Southwest Heritage B… · AZ ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Home Bank SB · July 2026

What Home Bank SB's Call Report plate shows

Home Bank SB (FDIC Cert #29881) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,117 of 4,307. Tier 1 capital prints at 12.26%, clearing the 10% well-capitalized line. The Texas Ratio is 4.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.56%. Balance-sheet scale is $433M, 1,978th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Phoenixville Federal Bank and Trust (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Home Bank SB

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Home Bank SB's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Home Bank SB remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Home Bank SB's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Home Bank SB's composite health score
Tier 1 Capital Ratio (12.26%) 35/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (4.23%) 20/20
Efficiency Ratio (85.10%) 0/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$433M

Total balance-sheet footings

Total Deposits

$361M

Customer-funded liabilities

Net Loans

$255M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.86% 12.26% 13.66%
Basel III capital ratios - Home Bank SB

Where Home Bank SB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Home Bank SB's score of 69/100 falls in the highlighted band.

Home Bank SB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Home Bank SB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Home Bank SB'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). Home Bank SB's $433M falls in the highlighted band.

Safety ratios for Home Bank SB

Tier 1 capital ratio
Well-capitalized 10%

12.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.26%
Texas Ratio
4.23%
Equity Capital
$38M

What these ratios mean →

Profitability metrics: Home Bank SB

Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
6.98%
Efficiency Ratio
85.10%

What these mean →

Income & expense at Home Bank SB

$19M
Interest Income
$5M
Non-Interest Income
$15M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Home Bank SB reports a Texas Ratio of 4.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Home Bank SB on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($433M here), outside Indiana so the neighborhood is not state containment.

Oostburg State Bank $434M · WI Maquoketa State Bank $434M · IA Better Banks $433M · IL Spring Bank $434M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Home Bank SB (FDIC Cert #29881) - 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.

Home Bank SB Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
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%