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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Thorntown, IN · FDIC certificate #14225
HOME NB OF THORNTOWN is an FDIC-insured institution based in Thorntown, IN (FDIC certificate #14225). In its Q3 2026 Call Report it reported total assets of $174M, total deposits of $155M and net loans of $124M. Its primary federal regulator is OCC.
Plain-language readout
HOME NB OF THORNTOWN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $186M in Q2 2026 and were lowest at $174M in Q3 2026.
Total deposits were highest at $167M in Q2 2026 and lowest at $155M in Q3 2026.
Over the whole period total assets fell 1.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $174M | $155M | $124M | 1.08% | 11.12% | 4.38% |
| Q2 2026 | $186M | $167M | $128M | 0.96% | 10.12% | 4.27% |
| Q1 2026 | $177M | $159M | $127M | 0.93% | 9.85% | 4.30% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.3M | $4.4M | +$4.9M | +112.3% |
| Federal funds sold | $2.9M | $26K | +$2.9M | +11000.0% |
| 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) | $33.2M | $34.7M | -$1.4M | -4.2% |
| 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) | $127.9M | $126.8M | +$1.1M | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.9M | $2.9M | +$1.1M | +36.8% |
| 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) | $70K | $72K | -$2K | -2.8% |
| All other assets | $8.3M | $8.2M | +$103K | +1.3% |
| Total assets | $185.6M | $177.0M | +$8.6M | +4.9% |
| Liabilities | ||||
| Total deposits | $167.0M | $158.8M | +$8.2M | +5.2% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $807K | $933K | -$126K | -13.5% |
| Total liabilities | $167.8M | $159.7M | +$8.1M | +5.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $360K | $360K | $0K | 0.0% |
| Surplus | $420K | $420K | $0K | 0.0% |
| Retained earnings | $18.3M | $17.8M | +$455K | +2.5% |
| Accumulated other comprehensive income | -$1.3M | -$1.4M | +$69K | +4.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $17.8M | $17.2M | +$524K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $808K | $1.0M | -$203K | -20.1% |
| Adjusted nonperforming assets | $808K | $1.0M | -$203K | -20.1% |
| Tangible equity plus allowance | $19.6M | $19.1M | +$583K | +3.1% |
| Texas ratio (gross) | 4.11% | 5.31% | -1.19 pts | See points |
| Texas ratio (adjusted) | 4.11% | 5.31% | -1.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.62% | 5.84% | -1.21 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) | 10.37% | 10.28% | +0.09 pts | See points |
| Construction and land loans to total capital | 24.80% | 26.50% | -1.70 pts | See points |
| Commercial real estate to total capital | 30.24% | 30.04% | +0.20 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 | -10.75% | -11.52% | +0.76 pts | See points |
| Liquidity | ||||
| Core deposits | $154.0M | $146.2M | +$7.8M | +5.3% |
| Non-core funding | $13.0M | $12.6M | +$432K | +3.4% |
| Loans to core deposits | 84.33% | 88.02% | -3.69 pts | See points |
| Loans to deposits | 77.76% | 81.04% | -3.29 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.22% | 54.06% | +0.16 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $13.0M | $12.6M | +$432K | +3.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.3M | $616K | +$641K | +104.1% |
| Earnings before provision, single quarter | $641K | $616K | +$25K | +4.1% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.58% | 6.52% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 2.19% | 2.31% | -0.12 pts | See points |
| Total interest income to average assets | 5.27% | 5.29% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 1.10% | 0.95% | +0.15 pts | See points |
| Cost of savings and money market deposits | 0.55% | 0.49% | +0.06 pts | See points |
| Cost of time deposits | 3.87% | 3.80% | +0.07 pts | See points |
| Total interest expense to average assets | 1.38% | 1.34% | +0.04 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 | $174M | $155M | $124M | 1.08% | 11.12% | 4.38% |
| 2026-06-30 | $186M | $167M | $128M | 0.96% | 10.12% | 4.27% |
| 2026-03-31 | $177M | $159M | $127M | 0.93% | 9.85% | 4.30% |
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 | $163M | 0.08% | 98 | 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.