NAPOLEON STATE BANK, THE

NAPOLEON, IN | Small | Est. Dec. 9, 1903, midnight | FDIC #10101 | RSSD #944047 | FDIC
Latest Report: 2025-12-31

NAPOLEON STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in NAPOLEON, IN, established in Dec. 9, 1903, midnight. As of 2025-12-31, the bank reported total assets of $483M and total deposits of $427M. Profitability stands at 1.51% ROA and 14.07% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 10.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.09%. FDIC Certificate #10101.

Assets

$483M

Deposits

$427M

Loans

$343M

Equity

$52M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 14.07%
Net Interest Margin (NIM) 4.72%
Yield on Assets 6.50%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.09%
NPA Ratio 0.13%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 10.63%
Tier 1 Capital 10.63%
Total Capital Ratio 11.16%
Leverage Ratio 10.66%
Loan-to-Deposit 80.35%

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