First National Bank (Cloverdale, IN)
BankRegReports is independent of First National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First National Bank is an FDIC-insured commercial bank headquartered in Cloverdale, IN, established in 1913 (FDIC certificate 4324), and it is supervised by the OCC. At Q2 2026 it reported total assets of $418.5M, down 1.1% from Q2 2025, the 49th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 16.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4324
- Headquarters
- Cloverdale, IN
- Established
- 1913
- Total assets, Q2 2026
- $418.5M
- Assets vs Q2 2025
- -1.1%
- CET1 ratio, Q2 2026
- 16.70%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 074907126
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank call report
- Holding company
- FIRST NATIONAL BANK CORP.
- Asset rank in state
- 49th of 87 in Indiana
First National Bank spends more to run itself than most banks of its size. Its balance sheet stood at $419 million at June 30, 2026, down 1.1% from a year earlier; it is based in Cloverdale, Indiana. It spends about 83 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.45 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 10.6% and deposits fell 2.1%. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 28% of Tier 1 capital, down from 36% a year earlier. Its margin is thin by comparison: it keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First National Bank reported a CET1 capital ratio of 16.70%, a return on assets of 0.45%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 4.39%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, First National Bank is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $418.5M, loans rose 4.6% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.4% of total loans, ahead of farmland and other real estate loans at 15.1%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in IN; its Greencastle office books 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 302 S Main St, Cloverdale, IN 46120
- County
- Putnam
- Metro Area
- Greencastle, IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $383.1M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $434.0M
- Average total loans
- $225.4M
- Average interest-bearing deposits
- $308.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4324
- Fed RSSD
- 60648
- Website
- http://www.fnb-bank.com →
- Parent Holding Company
- FIRST NATIONAL BANK CORP. (RSSD 1137529)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank's total assets ranged from $404.2M (Q1 2025) to $425.7M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$418.5M total assets against $423.0M; $386.4M total liabilities against $394.2M.
$224.2M net loans and leases against $202.2M; $383.1M total deposits against $391.1M.
$112.3M securities against $102.7M; $62.7M cash and balances due against $99.4M.
$4.8M total interest income against $4.7M; $1.7M total interest expense against $1.7M.
$3.1M net interest income against $3.0M.
$532K total noninterest income against $501K; $3.1M total noninterest expense against $2.9M.
$0 provision for credit losses against $0.
$488K net income against $493K.
0.45% return on assets against 0.46%; 3.09% net interest margin against 3.01%.
16.70% CET1 capital ratio against 17.29%; 9.50% tier 1 leverage ratio against 9.29%.
Inside the full First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank rankings
Its closest position to the top of a national ranking is 623 of 2,134, for CET1 ratio; its furthest is 3,324 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.38% (Q1 2026) to 0.62% (Q3 2024) and its net interest margin ran from 3.01% (Q1 2025) to 3.18% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.70% | 0.45% | 0.70% | 4.39% | 3.09% |
| Q1 2026 | 17.41% | 0.38% | 0.27% | 1.63% | 3.03% |
| Q4 2025 | 16.75% | 0.39% | 0.22% | 1.37% | 3.10% |
| Q3 2025 | 17.38% | 0.56% | 0.21% | 1.29% | 3.09% |
| Q2 2025 | 17.29% | 0.46% | 0.58% | 3.62% | 3.01% |
| Q1 2025 | 17.73% | 0.48% | 0.30% | 1.78% | 3.01% |
| Q4 2024 | 17.00% | 0.53% | 0.36% | 2.26% | 3.14% |
| Q3 2024 | 17.17% | 0.62% | 0.34% | 2.05% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Greencastle Branch | Greencastle , IN | 46135 | $143.2M |
| First National Bank (main office) | Cloverdale , IN | 46120 | $116.9M |
| Plainfield Branch | Plainfield , IN | 46168 | $30.9M |
| Belleville Branch | Clayton , IN | 46118 | $28.5M |
| Franklin Branch | Franklin , IN | 46131 | $23.8M |
| Coatesville Branch | Coatesville , IN | 46121 | $22.3M |
| Cloverdale I70 Branch | Cloverdale , IN | 46120 | $17.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 64 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 110 applications, 80 loans originated, $17.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $228K approved, $76K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare First National Bank with peers
Frequently asked about First National Bank
What are First National Bank's total assets?
As of the Q2 2026 filing, First National Bank reported total assets of $418.5 million in its FFIEC call report.
Where is First National Bank headquartered?
It is headquartered in Cloverdale, IN, United States.
When was First National Bank founded?
It was established in 1913, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank?
First National Bank's primary federal regulator is the OCC.
What is First National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank's Texas Ratio?
Its Texas Ratio is 4.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on First National Bank.
Get an email when First National Bank files its next call report, and benchmark it against any peer you choose.
Unlock First National Bank, freeFree account