Home National Bank (FDIC certificate #6680) is based in Racine, Ohio. Its Q2 2026 call report shows $95.0M in total assets and $84.0M in deposits and 4 offices across 2 states.
Based on its Q2 2026 filing, Home National Bank scores 52/100, which we describe as below average. That is higher than only 11% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 152nd. Its strongest component is funding & liquidity (83/100; 67% loans-to-deposits, 24% uninsured), and its lowest is loan quality (19/100; 2.43%).
TellerScore · Q2 2026
Scorecard
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 fell 6 points (58 → 52), mostly because the loan quality component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 56 |
| Q4 2024 | 45 |
| Q1 2025 | 51 |
| Q2 2025 | 58 |
| Q3 2025 | 59 |
| Q4 2025 | 52 |
| Q1 2026 | 50 |
| Q2 2026 | 52 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.65% |
| Q3 2024 | 11.50% |
| Q4 2024 | 10.98% |
| Q1 2025 | 11.02% |
| Q2 2025 | 10.74% |
| Q3 2025 | 11.22% |
| Q4 2025 | 11.13% |
| Q1 2026 | 10.82% |
| Q2 2026 | 10.46% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.62% |
| Q3 2024 | 2.14% |
| Q4 2024 | 3.09% |
| Q1 2025 | 2.34% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.58% |
| Q4 2025 | 2.26% |
| Q1 2026 | 2.58% |
| Q2 2026 | 2.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $95.0M | 10.46% | 2.43% | 0.90% | 67.3% |
| Q1 2026 | 50 | $90.8M | 10.82% | 2.58% | 0.78% | 72.1% |
| Q4 2025 | 52 | $89.9M | 11.13% | 2.26% | 0.60% | 70.3% |
| Q3 2025 | 59 | $89.6M | 11.22% | 1.58% | 0.63% | 69.3% |
| Q2 2025 | 58 | $91.3M | 10.74% | 1.56% | 0.66% | 70.4% |
| Q1 2025 | 51 | $92.0M | 11.02% | 2.34% | 0.60% | 68.6% |
| Q4 2024 | 45 | $90.1M | 10.98% | 3.09% | 0.68% | 69.5% |
| Q3 2024 | 56 | $91.0M | 11.50% | 2.14% | 0.69% | 66.5% |
| Q2 2024 | 50 | $84.0M | 11.65% | 2.62% | 0.67% | 71.9% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of GermantownBank Germantown, OH | 63 out of 100, Moderate | $96.2M | 8.5% | 0.47% | vs |
| The Ottoville Bank CompanyBank Ottoville, OH | 95 out of 100, Very strong | $93.8M | 21.4% | 0.00% | vs |
| The First Central National Bank of St. ParisBank St. Paris, OH | 87 out of 100, Very strong | $97.0M | 18.9% | 0.02% | vs |
| Bank419Bank Metamora, OH | 55 out of 100, Moderate | $98.3M | 9.3% | 1.42% | vs |
| Peoples First Savings BankBank Mason, OH | 42 out of 100, Below average | $99.9M | 10.0% | 2.34% | vs |
| The Covington Savings and Loan AssociationBank Covington, OH | 91 out of 100, Very strong | $84.0M | 18.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Home National Bank?
Yes. Home National Bank is an FDIC-insured institution (FDIC certificate #6680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.5% of deposits ($19.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.46%, well 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%).
4 locations
Branches
Home National Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Middleport, OH (1)
- Racine, OH (1)
- Ravenswood, WV (1)
- Syracuse, OH (1)
Identity & history
Profile
- Legal name
- Home National Bank
- Former names
- The First National Bank of Racine; The Racine Home National Bank
- Type
- National bank
- FDIC certificate #
- 6680
- RSSD ID
- 79127
- Primary regulator
- OCC
- Holding company
- Racine Hnb Inc
- Established
- April 10, 1910
- Headquarters
- 502 Elm St, Racine, OH 45771
- Website
- www.homenatlbank.com
- Employees
- 23
Quick answers
Home National Bank: common questions
Is Home National Bank FDIC insured?
Yes. Home National Bank is an FDIC-insured institution (FDIC certificate #6680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home National Bank's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Home National Bank ever failed?
There is no failure record for FDIC certificate #6680 in the FDIC failed bank list.
How many branches does Home National Bank have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Racine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kyger Creek Credit UnionCredit union Cheshire, OH | 84 out of 100, Strong | $20.9M | 18.9% | 0.60% | vs |
| Union Trades Federal Credit UnionCredit union Parkersburg, WV | 84 out of 100, Strong | $34.4M | 18.4% | 0.92% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| The Hocking Valley BankBank Athens, OH | 77 out of 100, Strong | $354.0M | 11.4% | 0.54% | vs |
| West Virginia Central Federal Credit UnionCredit union Parkersburg, WV | 76 out of 100, Strong | $341.3M | 13.2% | 0.87% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |