Total Assets
$183M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$166M
Customer-funded liabilities
Net Loans
$130M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
11.42%
Efficiency Ratio
59.47%
What the numbers say about The Home National Bank of Thorntown
The Home National Bank of Thorntown is an FDIC-insured institution (Certificate #14225) headquartered in Thorntown, Indiana, established in 1901. It holds $183M in total assets - 3,135th of 4,313 FDIC-insured banks, $166M in customer deposits, and $130M in net loans. Its capital position: a Tier 1 ratio of 9.88%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.69% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Home National Bank of Thorntown sits 73rd of 90 banks headquartered in Indiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Indiana by total assets
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.
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 The Home National Bank of Thorntown's health grade?▼
The Home National Bank of Thorntown receives a health grade of B (70/100) 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 The Home National Bank of Thorntown?▼
The Home National Bank of Thorntown holds $183M in total assets and $166M in deposits, ranking 3,135th of 4,313 FDIC-insured banks by asset size. It is headquartered in Thorntown, Indiana.
Is my money safe at The Home National Bank of Thorntown?▼
Yes, deposits at The Home National Bank of Thorntown (Certificate #14225) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Home National Bank of Thorntown's Tier 1 Capital Ratio?▼
The Home National Bank of Thorntown has a Tier 1 Capital Ratio of 9.88%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The Home National Bank of Thorntown?▼
The Home National Bank of Thorntown has a Texas Ratio of 2.69%. 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 The Home National Bank of Thorntown?▼
The Home National Bank of Thorntown has an Efficiency Ratio of 59.47%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Home National Bank of Thorntown's profile as a depositor or analyst.
- The Home National Bank of Thorntown's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Home National Bank of Thorntown 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.