Headquartered in Napoleon, Indiana, The Napoleon State Bank is a state-chartered bank with $499.2M in total assets and $440.4M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1903.
The Napoleon State Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 32nd. Problem-loan coverage contributes the most (86/100, 6.9%); capital cushion contributes the least (61/100, 11.07%).
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 7 points (77 → 70), mostly because the loan quality component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 76 |
| Q4 2024 | 74 |
| Q1 2025 | 73 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.25% |
| Q3 2024 | 10.25% |
| Q4 2024 | 10.26% |
| Q1 2025 | 10.29% |
| Q2 2025 | 10.49% |
| Q3 2025 | 10.65% |
| Q4 2025 | 10.66% |
| Q1 2026 | 11.01% |
| Q2 2026 | 11.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.21% |
| Q2 2026 | 1.10% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.41% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.37% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.48% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $499.2M | 11.07% | 1.10% | 1.47% | 81.8% |
| Q1 2026 | 79 | $507.0M | 11.01% | 0.21% | 1.50% | 77.1% |
| Q4 2025 | 77 | $483.4M | 10.66% | 0.26% | 1.48% | 79.3% |
| Q3 2025 | 78 | $490.3M | 10.65% | 0.27% | 1.47% | 76.6% |
| Q2 2025 | 77 | $477.6M | 10.49% | 0.29% | 1.47% | 76.3% |
| Q1 2025 | 73 | $480.8M | 10.29% | 0.59% | 1.38% | 74.4% |
| Q4 2024 | 74 | $463.3M | 10.26% | 0.38% | 1.37% | 77.4% |
| Q3 2024 | 76 | $447.7M | 10.25% | 0.24% | 1.41% | 79.2% |
| Q2 2024 | 75 | $444.0M | 10.25% | 0.34% | 1.41% | 78.4% |
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 |
|---|---|---|---|---|---|
| The Peoples State BankBank Ellettsville, IN | 78 out of 100, Strong | $506.6M | 10.5% | 0.19% | vs |
| Security Federal Savings BankBank Logansport, IN | 68 out of 100, Moderate | $464.4M | 11.0% | 0.31% | vs |
| The Bippus State BankBank Huntington, IN | 76 out of 100, Strong | $458.9M | 12.0% | 0.86% | vs |
| The Hometown Savings BankBank Terre Haute, IN | 55 out of 100, Moderate | $455.7M | 8.3% | 0.59% | vs |
| Alliance BankBank Francesville, IN | 88 out of 100, Very strong | $454.8M | 12.4% | 0.01% | vs |
| The Friendship State BankBank Friendship, IN | 66 out of 100, Moderate | $543.8M | 8.8% | 0.37% | vs |
Deposit insurance
Is my money safe at The Napoleon State Bank?
Yes. The Napoleon State Bank is an FDIC-insured institution (FDIC certificate #10101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.0% of deposits ($70.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.07%, 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%).
7 locations
Branches
The Napoleon State Bank lists 7 offices in 6 cities. Most locations:
- Greensburg, IN (2)
- Holton, IN (1)
- Milan, IN (1)
- Napoleon, IN (1)
- Osgood, IN (1)
- Westport, IN (1)
Identity & history
Profile
- Legal name
- The Napoleon State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10101
- RSSD ID
- 944047
- Primary regulator
- FDIC
- Holding company
- Napoleon Bcorp
- Established
- December 9, 1903
- Headquarters
- 8912 N Us Highway 421, Napoleon, IN 47034
- Website
- www.napoleonstatebank.com
- Employees
- 82
Quick answers
The Napoleon State Bank: common questions
Is The Napoleon State Bank FDIC insured?
Yes. The Napoleon State Bank is an FDIC-insured institution (FDIC certificate #10101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Napoleon State Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Napoleon State Bank ever failed?
There is no failure record for FDIC certificate #10101 in the FDIC failed bank list.
How many branches does The Napoleon State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Napoleon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| FCN Bank, National AssociationBank Brookville, IN | 73 out of 100, Strong | $812.5M | 9.9% | 0.02% | vs |
| Centra Credit UnionCredit union Columbus, IN | 73 out of 100, Strong | $2.4B | 12.3% | 0.96% | vs |
| First Financial BankBank Cincinnati, OH | 68 out of 100, Moderate | $22.4B | 9.8% | 0.70% | vs |
| The Friendship State BankBank Friendship, IN | 66 out of 100, Moderate | $543.8M | 8.8% | 0.37% | vs |