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The Home National Bank of Thorntown

$100M-$1B Specialty: Mortgage IN FDIC cert 14225

Thorntown, IN

2 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +2.5% year over year ($167.0M on the books).
  • Delinquency rate 0.63%.
  • Return on assets 0.96%.
  • Efficiency ratio 67.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

The Home National Bank of Thorntown has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.29% above tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 36.8% in tier
  • - Credit Risk Growth: Bottom 41.2% in tier
  • - Credit Quality Pressure: Bottom 44.5% in tier
  • - ROA 0.36% below tier average
  • - Efficiency Ratio 2.80% above tier average
Get updates when The Home National Bank of Thorntown releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $185.6M
+3.4% YoY +4.9% QoQ
-$201.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $127.9M
+7.3% YoY +0.9% QoQ
-$130.5M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $167.0M
+2.5% YoY +5.2% QoQ
-$159.7M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 0.96%
+3.8% YoY +3.1% QoQ
-0.36% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 4.27%
+9.9% YoY -0.5% QoQ
+0.29% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 67.27%
+5.0% YoY -1.0% QoQ
+2.80% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.63%
+68.8% YoY -20.8% QoQ
-0.29% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 76.58%
+4.7% YoY -4.1% QoQ
-1.37% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 20.61%
+8.9% YoY -0.5% QoQ
-1.42% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.44%
+75.2% YoY -23.8% QoQ
-0.23% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 10.37%
+6.3% YoY +0.8% QoQ
-5.54% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
15%
Non-Interest Income / Assets ? 0.14%
-26.6% YoY +86.5% QoQ
-0.42% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 20.6%
+1.7pp YoY
-0.1pp QoQ
 -1.5pp 22.1% 16.8% 22.2% 48%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 19.5%
-1.0pp YoY
-1.1pp QoQ
 +7.9pp 11.6% 11.1% 12.5% 87%
CRE 5.5%
+2.7pp YoY
+0.1pp QoQ
 -34.0pp 39.5% 36.2% 41.4% 1%
1-4 Family 66.4%
+2.9pp YoY
+2.0pp QoQ
 +33.7pp 32.6% 40.0% 31.3% 93%
Consumer 2.4%
-1.1pp YoY
-0.1pp QoQ
 -1.7pp 4.1% 3.2% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 10.4%
+0.6pp YoY
+0.1pp QoQ
 -1.8pp 12.2% 13.0% 12.6% 39%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 26
+1 (+4.0%) YoY
0 QoQ
 -33 58 237 482 21%
Assets per Employee ($) $7.1M
-0.6% YoY
+4.9% QoQ
 -$382K $7.5M $7.5M $8.8M 55%
Branch Count 2
0 YoY
0 QoQ
 -3 4 17 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.1pp YoY
-0.2pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 72%
Nonaccrual 0.4%
0.0pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 45%
Allowance Coverage 2.42x
-36.5% YoY
+28.9% QoQ
 -21.73x 24.15x 6.71x 20.23x 53%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 10.1%
-0.8pp YoY
+0.3pp QoQ
 -2.1pp 12.2% 11.2% 11.6% 38%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 35%
Net Income ($, YTD) $875,000
+7.0% YoY
— QoQ
 -$1.7M $2.6M $16.3M $40.4M 23%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#244 of 661 • Bottom 36.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.37%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Risk Growth

risk
#387 of 936 • Bottom 41.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#560 of 1256 • Bottom 44.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.63%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2243
Tier 1 Capital Ratio
capital
Value: 10.37%
Peer Median: 15.91%
#2243 of 2643 Bottom 15.2% in $100M-$1B
2043
Total Assets
size
Value: $185.56M
Peer Median: $386.57M
#2043 of 2643 Bottom 22.7% in $100M-$1B
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