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First National Bank
Cloverdale, IN · FDIC Certificate #4324 · Chartered 01/0
Total assets
$418.54M
Total deposits
$383.07M
Total equity
$32.19M
Net loans
$224.22M
Branches (offices)
7
Net income (YTD)
$894.00K
Rank: #2,005 of 4,213 U.S. banks by assets · #49 of 87 in Indiana. Assets changed -1.1% and deposits -2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.42% |
| Return on equity | 5.58% |
| Net interest margin (YTD) | 3.06% |
| Equity to assets | 7.69% |
| Tier 1 leverage ratio | 9.50% |
| Uninsured deposits (share of deposits) | 34.0% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 58.5% |
| Real estate loans (share of loans) | 87.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $195.35M | 87.1% | |
| Commercial & industrial | $20.69M | 9.2% | |
| Consumer / individual | $5.19M | 2.3% | |
| Construction & development | $13.86M | 6.2% | |
| Agricultural | $5.22M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $449.01M | $424.61M | $719.00K | $21.74M |
| Jun 2023 | $422.40M | $394.53M | $2.17M | $24.57M |
| Jun 2024 | $410.13M | $379.69M | $1.03M | $27.21M |
| Jun 2025 | $422.98M | $391.13M | $994.00K | $28.75M |
| Jun 2026 | $418.54M | $383.07M | $894.00K | $32.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $383.07M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $383.07M.
Similar-sized banks
Devon Bank ($418.56M) · Lusitania Savings Bank ($418.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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