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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Racine, OH · FDIC certificate #6680
HOME NATIONAL BANK is an FDIC-insured institution based in Racine, OH (FDIC certificate #6680). In its Q3 2026 Call Report it reported total assets of $93M, total deposits of $84M and net loans of $59M. Its primary federal regulator is OCC.
Plain-language readout
HOME NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $95M in Q2 2026 and were lowest at $91M in Q1 2026.
Total deposits were highest at $84M in Q2 2026 and lowest at $80M in Q1 2026.
Over the whole period total assets rose 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $93M | $84M | $59M | 0.89% | 9.51% | 5.08% |
| Q2 2026 | $95M | $84M | $56M | 0.90% | 9.50% | 5.00% |
| Q1 2026 | $91M | $80M | $57M | 0.78% | 8.15% | 4.87% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.9M | $1.7M | +$185K | +10.6% |
| Federal funds sold | $7.0M | $1.1M | +$5.9M | +528.1% |
| 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) | $21.3M | $22.1M | -$869K | -3.9% |
| 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) | $56.5M | $57.4M | -$925K | -1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.0M | $4.0M | -$36K | -0.9% |
| 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 | $4.3M | $4.3M | -$39K | -0.9% |
| Total assets | $95.0M | $90.8M | +$4.2M | +4.6% |
| Liabilities | ||||
| Total deposits | $84.0M | $79.6M | +$4.4M | +5.5% |
| 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 | $1.6M | $1.6M | -$2K | -0.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $699K | $924K | -$225K | -24.4% |
| Total liabilities | $86.3M | $82.1M | +$4.2M | +5.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $125K | $125K | $0K | 0.0% |
| Surplus | $125K | $125K | $0K | 0.0% |
| Retained earnings | $9.8M | $9.6M | +$135K | +1.4% |
| Accumulated other comprehensive income | -$1.4M | -$1.3M | -$106K | -8.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $8.6M | $8.6M | +$29K | +0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $1.5M | -$108K | -7.2% |
| Adjusted nonperforming assets | $1.4M | $1.5M | -$108K | -7.2% |
| Tangible equity plus allowance | $9.6M | $9.6M | +$41K | +0.4% |
| Texas ratio (gross) | 14.51% | 15.70% | -1.19 pts | See points |
| Texas ratio (adjusted) | 14.51% | 15.70% | -1.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 17.23% | 20.96% | -3.73 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) | 10.46% | 10.82% | -0.35 pts | See points |
| Construction and land loans to total capital | 44.48% | 36.51% | +7.97 pts | See points |
| Commercial real estate to total capital | 70.05% | 74.28% | -4.23 pts | See points |
| Dividend payout, year to date | 97.09% | 169.49% | -72.40 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.62% | -12.72% | -0.90 pts | See points |
| Liquidity | ||||
| Core deposits | $74.4M | $70.0M | +$4.4M | +6.2% |
| Non-core funding | $11.2M | $11.2M | +$32K | +0.3% |
| Loans to core deposits | 77.24% | 83.36% | -6.13 pts | See points |
| Loans to deposits | 68.41% | 73.35% | -4.94 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 75.79% | 69.31% | +6.48 pts | See points |
| Loans pledged, share of loans | 43.20% | 43.48% | -0.28 pts | See points |
| Volatile liabilities | $11.2M | $11.2M | +$32K | +0.3% |
| Earnings | ||||
| Earnings before provision, year to date | $522K | $235K | +$287K | +122.1% |
| Earnings before provision, single quarter | $287K | $235K | +$52K | +22.1% |
| Provision for credit losses, year to date | $110K | $58K | +$52K | +89.7% |
| Yield and cost | ||||
| Yield on loans and leases | 8.62% | 8.17% | +0.44 pts | See points |
| Yield on interest-bearing balances due from banks | 1.06% | 0.92% | +0.13 pts | See points |
| Total interest income to average assets | 6.05% | 5.86% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 1.83% | 1.66% | +0.17 pts | See points |
| Cost of savings and money market deposits | 0.71% | 0.75% | -0.04 pts | See points |
| Cost of time deposits | 3.40% | 3.37% | +0.04 pts | See points |
| Total interest expense to average assets | 1.57% | 1.56% | +0.02 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 | $93M | $84M | $59M | 0.89% | 9.51% | 5.08% |
| 2026-06-30 | $95M | $84M | $56M | 0.90% | 9.50% | 5.00% |
| 2026-03-31 | $91M | $80M | $57M | 0.78% | 8.15% | 4.87% |
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 |
|---|---|---|---|---|
| OH | $78.3M | 0.01% | 152 | Continuing · +0.00 pp |
| WV | $957K | 0.00% | 69 | Entered this year |
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.