HOME NATIONAL BANK

RACINE, OH | Micro | Est. April 10, 1910, midnight | FDIC #6680 | RSSD #79127 | OCC
Latest Report: 2025-12-31

HOME NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in RACINE, OH, established in April 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $90M and total deposits of $79M. Profitability stands at 0.50% ROA and 5.14% ROE, with a net interest margin of 4.76%. The bank's CET1 capital ratio is 9.73%. Asset quality metrics show a non-performing loan ratio of 2.19% and a Texas Ratio of 12.71%. FDIC Certificate #6680.

Assets

$90M

Deposits

$79M

Loans

$56M

Equity

$9M

Profitability

Return on Assets (ROA) 0.50%
Return on Equity (ROE) 5.14%
Net Interest Margin (NIM) 4.76%
Yield on Assets 6.54%
Cost of Funds 2.37%

Asset Quality

NPL Ratio 2.19%
Net Charge-Off Ratio 0.28%
Texas Ratio 12.71%
NPA Ratio 1.37%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 9.73%
Tier 1 Capital 9.73%
Total Capital Ratio 10.22%
Leverage Ratio 11.13%
Loan-to-Deposit 71.51%

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