The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 61).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Indiana

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #4324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.0% of deposits ($130.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.96% (benchmark: 10%).

Check how much of your own balance is covered

First National Bank lists 7 offices in 6 cities. Most locations:

• Cloverdale, IN (2)
• Clayton, IN (1)
• Coatesville, IN (1)
• Franklin, IN (1)
• Greencastle, IN (1)
• Plainfield, IN (1)

All branch addresses and map

In 2025, First National Bank reported 110 home-loan applications under HMDA (LEI 54930035C68SRQ1RS395): 80 originated ($17,430,000 total), 8 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First National Bank

Former names

The First National Bank of Cloverdale

Type

National bank

FDIC certificate #

4324

RSSD ID

60648

Primary regulator

OCC

Holding company

First National Bank Corp

Established

January 1, 1913

Headquarters

302 S Main St, Cloverdale, IN 46120

Website

www.fnb-bank.com

Employees

75