Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Brownsburg, IN · FDIC certificate #13111
HENDRICKS COUNTY B&T CO is an FDIC-insured institution based in Brownsburg, IN (FDIC certificate #13111). In its Q3 2026 Call Report it reported total assets of $237M, total deposits of $215M and net loans of $155M. Its primary federal regulator is FED.
Plain-language readout
HENDRICKS COUNTY B&T CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $247M in Q2 2026 and were lowest at $237M in Q3 2026.
Total deposits were highest at $226M in Q2 2026 and lowest at $215M in Q3 2026.
Over the whole period total assets fell 1.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $237M | $215M | $155M | 0.67% | 7.97% | 4.28% |
| Q2 2026 | $247M | $226M | $151M | 0.66% | 7.88% | 4.14% |
| Q1 2026 | $240M | $219M | $141M | 0.57% | 6.77% | 3.99% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.2M | $18.6M | -$2.5M | -13.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $65.0M | $64.7M | +$259K | +0.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $150.6M | $140.8M | +$9.8M | +7.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.3M | $8.5M | -$113K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.4M | $7.4M | +$7K | +0.1% |
| Total assets | $247.4M | $239.9M | +$7.5M | +3.1% |
| Liabilities | ||||
| Total deposits | $226.3M | $218.9M | +$7.3M | +3.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $114K | $119K | -$5K | -4.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $380K | $449K | -$69K | -15.4% |
| Total liabilities | $226.8M | $219.5M | +$7.2M | +3.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $280K | $280K | $0K | 0.0% |
| Surplus | $3.8M | $3.8M | $0K | 0.0% |
| Retained earnings | $20.0M | $19.6M | +$457K | +2.3% |
| Accumulated other comprehensive income | -$3.4M | -$3.2M | -$205K | -6.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.7M | $20.4M | +$252K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $742K | $742K | $0K | 0.0% |
| Adjusted nonperforming assets | $742K | $742K | $0K | 0.0% |
| Tangible equity plus allowance | $22.5M | $22.3M | +$283K | +1.3% |
| Texas ratio (gross) | 3.29% | 3.33% | -0.04 pts | See points |
| Texas ratio (adjusted) | 3.29% | 3.33% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.35% | 5.00% | +0.35 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.96% | 10.09% | -0.13 pts | See points |
| Construction and land loans to total capital | 43.30% | 28.90% | +14.41 pts | See points |
| Commercial real estate to total capital | 140.28% | 139.36% | +0.92 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.03% | -18.22% | -0.80 pts | See points |
| Liquidity | ||||
| Core deposits | $205.2M | $199.7M | +$5.4M | +2.7% |
| Non-core funding | $21.2M | $19.3M | +$1.9M | +9.7% |
| Loans to core deposits | 74.29% | 71.39% | +2.90 pts | See points |
| Loans to deposits | 67.36% | 65.12% | +2.24 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 11.00% | 11.28% | -0.28 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $21.2M | $19.3M | +$1.9M | +9.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $533K | +$656K | +123.1% |
| Earnings before provision, single quarter | $656K | $533K | +$123K | +23.1% |
| Provision for credit losses, year to date | $64K | $33K | +$31K | +93.9% |
| Yield and cost | ||||
| Yield on loans and leases | 7.27% | 6.95% | +0.32 pts | See points |
| Yield on interest-bearing balances due from banks | 3.40% | 3.91% | -0.52 pts | See points |
| Total interest income to average assets | 5.22% | 5.03% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.06% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.54% | 1.50% | +0.04 pts | See points |
| Cost of time deposits | 3.72% | 3.77% | -0.05 pts | See points |
| Total interest expense to average assets | 1.26% | 1.27% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $237M | $215M | $155M | 0.67% | 7.97% | 4.28% |
| 2026-06-30 | $247M | $226M | $151M | 0.66% | 7.88% | 4.14% |
| 2026-03-31 | $240M | $219M | $141M | 0.57% | 6.77% | 3.99% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $211.4M | 0.10% | 92 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.