TellerScore

Hendricks County Bank and Trust Company (FDIC certificate #13111) is based in Brownsburg, Indiana. Its Q2 2026 call report shows $247.4M in total assets and $226.3M in deposits and 5 offices.

Hendricks County Bank and Trust Company has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 45th. Problem-loan coverage contributes the most (93/100, 3.3%); earnings contributes the least (47/100, 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.96%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.49%
Earnings47/100
Return on assets (annualized): 0.66%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 66.5% · 28.3% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.29%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (61 → 67), mostly because the earnings component improved by 25 points.

TellerScore
516069Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202451
Q4 202451
Q1 202558
Q2 202561
Q3 202560
Q4 202565
Q1 202667
Q2 202667
Tier 1 leverage ratio
5.00%7.55%10.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.49%
Q3 20249.76%
Q4 20249.73%
Q1 20259.80%
Q2 20259.84%
Q3 20259.73%
Q4 20259.80%
Q1 202610.09%
Q2 20269.96%
Noncurrent loans
0.01%0.96%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.01%
Q3 20241.91%
Q4 20241.82%
Q1 20251.18%
Q2 20250.63%
Q3 20250.61%
Q4 20250.28%
Q1 20260.52%
Q2 20260.49%
Return on assets
0.00%0.33%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.26%
Q3 20240.26%
Q4 20240.24%
Q1 20250.32%
Q2 20250.06%
Q3 20250.00%
Q4 20250.14%
Q1 20260.57%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$247.4M9.96%0.49%0.66%66.5%
Q1 202667$239.9M10.09%0.52%0.57%64.3%
Q4 202565$235.2M9.80%0.28%0.14%65.0%
Q3 202560$234.5M9.73%0.61%0.00%64.3%
Q2 202561$230.1M9.84%0.63%0.06%63.0%
Q1 202558$234.4M9.80%1.18%0.32%61.1%
Q4 202451$231.0M9.73%1.82%0.24%62.3%
Q3 202451$229.2M9.76%1.91%0.26%60.4%
Q2 202469$236.5M9.49%0.01%0.26%57.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio9.96%
30th
Total risk-based capital0.00%
24th
Problem loans0.49%
46th
Net charge-offs-0.02%
93rd
Return on assets0.66%
17th
Net interest margin4.14%
61st
Efficiency ratio76.8%
18th
Loans to deposits66.5%
75th
Uninsured deposits28.3%
33rd
Loan-loss reserves1.22%
53rd
Texas ratio3.3%
46th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Trust and Savings BankBank Boonville, IN53 out of 100, Below average$240.6M13.0%2.09%vs
Wayne Bank and Trust Co.Bank Richmond, IN64 out of 100, Moderate$255.3M9.5%0.49%vs
Union Savings and Loan AssociationBank Connersville, IN66 out of 100, Moderate$261.8M10.5%0.89%vs
Logansport Savings BankBank Logansport, IN38 out of 100, Low$276.5M10.0%2.92%vs
Bank of WolcottBank Wolcott, IN81 out of 100, Strong$280.3M12.0%0.43%vs
The Farmers and Merchants BankBank Boswell, IN68 out of 100, Moderate$213.4M9.1%0.01%vs

Deposit insurance

Is my money safe at Hendricks County Bank and Trust Company?

Yes. Hendricks County Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.3% of deposits ($64.0M) 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 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Hendricks County Bank and Trust Company lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hendricks County Bank and Trust Company reported 75 home-loan applications under HMDA (LEI 549300D5ZV9HW2DYO911): 55 originated ($18,855,000 total), 8 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, 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.

Identity & history

Profile

Legal name
Hendricks County Bank and Trust Company
Former names
Brownsburg State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
13111
RSSD ID
633640
Primary regulator
FED
Holding company
Midstate Financial Corp
Established
January 1, 1908
Headquarters
1 E Main St, Brownsburg, IN 46112
Employees
48

Quick answers

Hendricks County Bank and Trust Company: common questions

Is Hendricks County Bank and Trust Company FDIC insured?

Yes. Hendricks County Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hendricks County Bank and Trust Company's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hendricks County Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #13111 in the FDIC failed bank list.

How many branches does Hendricks County Bank and Trust Company have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brownsburg

InstitutionScoreAssetsCapitalProblem loansCompare
H a L E Federal Credit UnionCredit union Indianapolis, IN100 out of 100, Very strong$399K25.1%0.00%vs
Mt Zion Indianapolis Federal Credit UnionCredit union Indianapolis, IN98 out of 100, Very strong$1.4M38.3%0.00%vs
Professional Police Officers Credit UnionCredit union Indianapolis, IN92 out of 100, Very strong$58.7M14.8%0.00%vs
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Cs Credit UnionCredit union Catawba, NC84 out of 100, Strong$30.5M18.7%0.46%vs
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs