FDIC Cert #6680 · Racine, Ohio · Est. 1910

Home National Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$90M
Total assets
C
Health grade · Fair
0.60%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

Home National Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 11.13% Tier 1, 0.60% ROA, 83% efficiency ratio.

#3,817
largest of 4,313 FDIC banks by assets
11th
percentile by asset size, nationally
11.13%
Tier 1 ratio - above the 10% well-capitalized line
20th
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 6680 · OH C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3911/4307
  • PHOTO-FINISH The First National B… · TX
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 13.1% Texas
  • ROA-THIN 0.60% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: The First National Bank of Sonora, TX (±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 National Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Coushatta · LA · near58/100Global Innovations B… · MN ·…58/100Home National Bank · OH · th…58/100The Dart Bank · MI · near58/100The First National B… · TX ·…58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Home National Bank · July 2026

Call Report read for Home National Bank in a high-failure state

Home National Bank (FDIC Cert #6680) carries a PlainBankData health grade of C at 58/100, 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 #3,911 of 4,307. Tier 1 capital prints at 11.13%, clearing the 10% well-capitalized line. The Texas Ratio is 13.12%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.60%. Balance-sheet scale is $90M, 3,817th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Sonora (TX), 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 National Bank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Home National Bank sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Home National Bank's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

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

How Home National Bank's 58/100 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 avg77/10058/100
Home National Bank's composite health score
Tier 1 Capital Ratio (11.13%) 28/40
Return on Assets (ROA) (0.60%) 14/25
Texas Ratio (13.12%) 16/20
Efficiency Ratio (83.39%) 0/15

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

Balance sheet at a glance

Total Assets

$90M

Total balance-sheet footings

Total Deposits

$79M

Customer-funded liabilities

Net Loans

$55M

Outstanding loan book

Net Income

$544K

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.) 9.73% 11.13% 12.53%
Basel III capital ratios - Home National Bank

Where Home National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Home National Bank's score of 58/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

58 9th percentile higher than 9% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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 National Bank 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 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). Home National Bank's $90M falls in the highlighted band.

Capital & credit buffers at Home National Bank

Tier 1 capital ratio
Well-capitalized 10%

11.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.13%
Texas Ratio
13.12%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: Home National Bank

Return on Assets (ROA)
20th percentile nationally
0.60%
Return on Equity (ROE)
6.59%
Efficiency Ratio
83.39%

What these mean →

Income & expense at Home National Bank

$5M
Interest Income
$467K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Home National Bank reports a Texas Ratio of 13.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($90M here), outside Ohio so the neighborhood is not state containment.

The First National Bank in Falfurrias $90M · TX The Stock Exchange Bank, Caldwell, Ka… $90M · KS Integrity Bank Plus $90M · MN The Bank of Commerce $90M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Home National Bank (FDIC Cert #6680) - 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 National Bank Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%