Total Assets
$90M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$79M
Customer-funded liabilities
Net Loans
$55M
Outstanding loan book
Net Income
$544K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.60%
Return on Equity (ROE)
6.59%
Efficiency Ratio
83.39%
What the numbers say about Home National Bank
Home National Bank is an FDIC-insured institution (Certificate #6680) headquartered in Racine, Ohio, established in 1910. It holds $90M in total assets - 3,817th of 4,313 FDIC-insured banks, $79M in customer deposits, and $55M in net loans. Its capital position: a Tier 1 ratio of 11.13%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 13.12% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Home National Bank is a community-scale institution -- 137th of 158 FDIC-insured banks headquartered in Ohio 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
$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.
Top banks in Ohio by total assets
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.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Home National Bank's health grade?▼
Home National Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Home National Bank?▼
Home National Bank holds $90M in total assets and $79M in deposits, ranking 3,817th of 4,313 FDIC-insured banks by asset size. It is headquartered in Racine, Ohio.
Is my money safe at Home National Bank?▼
Yes, deposits at Home National Bank (Certificate #6680) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Home National Bank's Tier 1 Capital Ratio?▼
Home National Bank has a Tier 1 Capital Ratio of 11.13%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Home National Bank?▼
Home National Bank has a Texas Ratio of 13.12%. 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 Home National Bank?▼
Home National Bank has an Efficiency Ratio of 83.39%. 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 Home National Bank's profile as a depositor or analyst.
- Home National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Home National Bank against other Ohio banks before moving funds. Ohio 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.