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Home National Bank
Racine, OH · FDIC Certificate #6680 · Chartered 04/1
Total assets
$94.96M
Total deposits
$84.00M
Total equity
$8.65M
Net loans
$56.49M
Branches (offices)
4
Net income (YTD)
$412.00K
Rank: #3,713 of 4,213 U.S. banks by assets · #136 of 155 in Ohio. Assets changed 4.0% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 9.50% |
| Net interest margin (YTD) | 5.00% |
| Equity to assets | 9.11% |
| Tier 1 leverage ratio | 10.46% |
| Uninsured deposits (share of deposits) | 23.5% |
| Noncurrent loans (share of loans) | 2.43% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 67.3% |
| Real estate loans (share of loans) | 78.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $44.59M | 78.9% | |
| Commercial & industrial | $4.59M | 8.1% | |
| Consumer / individual | $7.78M | 13.8% | |
| Construction & development | $4.89M | 8.6% | |
| Agricultural | $78.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $80.54M | $73.18M | $420.00K | $6.86M |
| Jun 2023 | $82.56M | $74.67M | $414.00K | $6.90M |
| Jun 2024 | $84.01M | $72.85M | $279.00K | $7.47M |
| Jun 2025 | $91.33M | $79.30M | $299.00K | $8.13M |
| Jun 2026 | $94.96M | $84.00M | $412.00K | $8.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $79.81M | 3 |
| West Virginia | $4.20M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $84.00M.
Similar-sized banks
Community Bank Of Oelwein ($95.04M) · Citizens Bank Of Cumberland County, Inc. ($94.88M)
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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