FDIC Cert #14225 · Thorntown, Indiana · Est. 1901

The Home National Bank of Thorntown - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$183M
Total assets
B
Health grade · Good
1.00%
Return on assets
9.9%
Tier 1 capital

Data updated July 2026

The verdict

The Home National Bank of Thorntown earns a PlainBankData health grade of B (70/100), with 9.88% Tier 1 capital, profitable at 1.00% ROA, efficient (59% cost ratio).

#3,135
largest of 4,313 FDIC banks by assets
27th
percentile by asset size, nationally
9.88%
Tier 1 ratio - below the 10% well-capitalized line
43rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 14225 · IN B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3050/4307
  • PHOTO-FINISH Five Points Bank of… · NE
  • TIER1-ADEQ 9.9% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-PAR 1.00% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Five Points Bank of Hastings, NE (±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 The Home National Bank of Thorntown

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

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Lo… · LA ·…70/100Five Points Bank of… · NE · …70/100Middletown Valley Bank · MD …70/100The Home National Ba… · IN ·…70/100Wells River Savings… · VT · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Home National Bank of Thorntown · July 2026

What The Home National Bank of Thorntown's Call Report plate shows

The Home National Bank of Thorntown (FDIC Cert #14225) carries a PlainBankData health grade of B at 70/100, 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 #3,050 of 4,307. Tier 1 capital prints at 9.88%, missing the 10% well-capitalized line. The Texas Ratio is 2.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.00%. Balance-sheet scale is $183M, 3,135th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Five Points Bank of Hastings (NE), 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 The Home National Bank of Thorntown

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

The Home National Bank of Thorntown'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; The Home National Bank of Thorntown 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 The Home National Bank of Thorntown's 70/100 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 avg77/10070/100
The Home National Bank of Thorntown's composite health score
Tier 1 Capital Ratio (9.88%) 18/40
Return on Assets (ROA) (1.00%) 20/25
Texas Ratio (2.69%) 20/20
Efficiency Ratio (59.47%) 12/15

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

Balance sheet at a glance

Total Assets

$183M

Total balance-sheet footings

Total Deposits

$166M

Customer-funded liabilities

Net Loans

$130M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.48% 9.88% 11.28%
Basel III capital ratios - The Home National Bank of Thorntown

Where The Home National Bank of Thorntown ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Home National Bank of Thorntown's score of 70/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Home National Bank of Thorntown 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

The Home National Bank of Thorntown'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). The Home National Bank of Thorntown's $183M falls in the highlighted band.

Safety ratios for The Home National Bank of Thorntown

Tier 1 capital ratio
Well-capitalized 10%

9.88% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.88%
Texas Ratio
2.69%
Equity Capital
$17M

What these ratios mean →

Earnings posture at The Home National Bank of Thorntown

Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
11.42%
Efficiency Ratio
59.47%

What these mean →

Income & expense at The Home National Bank of Thorntown

$9M
Interest Income
$718K
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. The Home National Bank of Thorntown reports a Texas Ratio of 2.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Home National Bank of Thorntown 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 ($183M here), outside Indiana so the neighborhood is not state containment.

BankMiami $183M · FL Citizens Savings Bank and Trust Compa… $183M · TN The Farmers Bank $184M · GA Texas Advantage Community Bank $184M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Home National Bank of Thorntown (FDIC Cert #14225) - 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.

The Home National Bank of Thorntown 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%