The Home National Bank of Thorntown is a national bank headquartered in Thorntown, Indiana, in business for about 125 years. At the end of Q2 2026 it reported $185.6M in total assets and $167.0M in deposits, with 2 offices.
Based on its Q2 2026 filing, The Home National Bank of Thorntown scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 41st. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is capital cushion (54/100; 10.37%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 70 |
| Q4 2024 | 68 |
| Q1 2025 | 72 |
| Q2 2025 | 68 |
| Q3 2025 | 66 |
| Q4 2025 | 68 |
| Q1 2026 | 66 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.56% |
| Q3 2024 | 9.82% |
| Q4 2024 | 9.41% |
| Q1 2025 | 9.64% |
| Q2 2025 | 9.75% |
| Q3 2025 | 9.77% |
| Q4 2025 | 9.88% |
| Q1 2026 | 10.28% |
| Q2 2026 | 10.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.62% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.00% |
| Q2 2025 | 0.93% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $185.6M | 10.37% | 0.62% | 0.96% | 76.6% |
| Q1 2026 | 66 | $177.0M | 10.28% | 0.79% | 0.93% | 79.8% |
| Q4 2025 | 68 | $183.3M | 9.88% | 0.38% | 1.00% | 78.6% |
| Q3 2025 | 66 | $181.3M | 9.77% | 0.59% | 0.97% | 76.6% |
| Q2 2025 | 68 | $179.4M | 9.75% | 0.37% | 0.93% | 73.1% |
| Q1 2025 | 72 | $178.1M | 9.64% | 0.02% | 1.00% | 71.8% |
| Q4 2024 | 68 | $172.2M | 9.41% | 0.09% | 0.82% | 74.0% |
| Q3 2024 | 70 | $166.3M | 9.82% | 0.10% | 0.80% | 75.1% |
| Q2 2024 | 68 | $172.8M | 9.56% | 0.08% | 0.63% | 70.4% |
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).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| LNB Community BankBank Lynnville, IN | 69 out of 100, Moderate | $181.0M | 9.4% | 0.23% | vs |
| Fowler State BankBank Fowler, IN | 80 out of 100, Strong | $190.3M | 15.5% | 0.61% | vs |
| Community State BankBank Royal Center, IN | 70 out of 100, Strong | $175.9M | 10.5% | 0.37% | vs |
| First State Bank of PorterBank Porter, IN | 90 out of 100, Very strong | $162.3M | 16.8% | 0.00% | vs |
| Community State BankBank Brook, IN | 61 out of 100, Moderate | $161.2M | 9.4% | 0.44% | vs |
| First Federal Savings and Loan Association of GreensburgBank Greensburg, IN | 66 out of 100, Moderate | $159.5M | 12.3% | 1.18% | vs |
Deposit insurance
Is my money safe at The Home National Bank of Thorntown?
Yes. The Home National Bank of Thorntown is an FDIC-insured institution (FDIC certificate #14225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.1% of deposits ($42.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.37%, 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%).
2 locations
Branches
The Home National Bank of Thorntown lists 2 offices in 2 cities. Most locations:
- Lebanon, IN (1)
- Thorntown, IN (1)
HMDA 2025
Mortgage lending
In 2025, The Home National Bank of Thorntown reported 57 home-loan applications under HMDA (LEI 549300Z0OW7UDR5F5Z46): 54 originated ($15,740,000 total), 0 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
- The Home National Bank of Thorntown
- Type
- National bank
- FDIC certificate #
- 14225
- RSSD ID
- 696645
- Primary regulator
- OCC
- Holding company
- Home National Corp
- Established
- May 31, 1901
- Headquarters
- 117 E Main St, Thorntown, IN 46071
- Website
- www.thehomenationalbank.com
- Employees
- 26
Quick answers
The Home National Bank of Thorntown: common questions
Is The Home National Bank of Thorntown FDIC insured?
Yes. The Home National Bank of Thorntown is an FDIC-insured institution (FDIC certificate #14225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Home National Bank of Thorntown's TellerScore?
68 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 The Home National Bank of Thorntown ever failed?
There is no failure record for FDIC certificate #14225 in the FDIC failed bank list.
How many branches does The Home National Bank of Thorntown have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Thorntown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Street Credit UnionCredit union Sarasota, FL | 89 out of 100, Very strong | $34.5M | 14.7% | 0.10% | vs |
| Staley Credit UnionCredit union Decatur, IL | 80 out of 100, Strong | $228.5M | 11.8% | 0.13% | vs |
| Forum Credit UnionCredit union Indianapolis, IN | 80 out of 100, Strong | $2.3B | 13.3% | 0.31% | vs |
| Purdue Federal Credit UnionCredit union West Lafayette, IN | 75 out of 100, Strong | $2.1B | 11.2% | 0.17% | vs |
| Tippecanoe Federal Credit UnionCredit union Lafayette, IN | 75 out of 100, Strong | $15.4M | 12.9% | 0.64% | vs |
| 1st Source BankBank South Bend, IN | 75 out of 100, Strong | $9.3B | 13.7% | 0.99% | vs |