FIRST NATIONAL BANK

CLOVERDALE, IN | Small | Est. Jan. 1, 1913, midnight | FDIC #4324 | RSSD #60648 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in CLOVERDALE, IN, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $426M and total deposits of $391M. Profitability stands at 0.40% ROA and 5.43% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 16.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.36%. FDIC Certificate #4324.

Assets

$426M

Deposits

$391M

Loans

$226M

Equity

$32M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 5.43%
Net Interest Margin (NIM) 3.29%
Yield on Assets 5.11%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.36%
NPA Ratio 0.12%
ACL / Loans 1.92%

Capital & Liquidity

CET1 Ratio 16.75%
Tier 1 Capital 16.75%
Total Capital Ratio 18.01%
Leverage Ratio 9.30%
Loan-to-Deposit 57.83%

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