Hendricks County Bank and Trust Company
Also written as HCB&T
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Data as of · sourced from FFIEC call reports. How we update
Hendricks County Bank and Trust Company is an FDIC-insured commercial bank headquartered in Brownsburg, IN, established in 1908 (FDIC certificate 13111), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $247.4M, up 7.6% from Q2 2025, the 67th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13111
- Headquarters
- Brownsburg, IN
- Established
- 1908
- Total assets, Q2 2026
- $247.4M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 9.96%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 074906091
- Latest call report
- Q2 2026, FFIEC 051 · Hendricks County Bank and Trust Company Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- MIDSTATE FINANCIAL CORPORATION
- Asset rank in state
- 67th of 87 in Indiana
Hendricks County Bank and Trust Company spends more to run itself than most banks of its size. Based in Brownsburg, Indiana, it had $247 million in assets at June 30, 2026, up 7.6% from a year earlier. It spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 13.1% over the year, 2.4 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 13.1% and deposits rose 7.1%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.49% of loans, down from 0.63% a year earlier. Profitability lags: it earns about $0.76 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Hendricks County Bank and Trust Company reported a return on assets of 0.76%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 3.29%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Hendricks County Bank and Trust Company is the 67th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.1% to $247.4M, loans rose 6.9% and deposits rose 3.3%. 1-4 family residential loans made up 36.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.4%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in IN; its Brownsburg 2 offices book 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hendricks County Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 E Main St, Brownsburg, IN 46112
- County
- Hendricks
- Metro Area
- Indianapolis-Carmel-Greenwood, IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- 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, 1908
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $226.3M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $241.6M
- Average total loans
- $145.2M
- Average interest-bearing deposits
- $160.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13111
- Fed RSSD
- 633640
- Website
- www.hendrickscountybank.com →
- Parent Holding Company
- MIDSTATE FINANCIAL CORPORATION (RSSD 1207552)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Hendricks County Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hendricks County Bank and Trust Company's total assets ran between $226.6M (Q4 2023) and $247.4M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$247.4M total assets against $230.1M; $226.8M total liabilities against $211.9M.
$150.6M net loans and leases against $133.1M; $226.3M total deposits against $211.3M.
$65.0M securities against $67.3M; $16.2M cash and balances due against $14.8M.
$3.2M total interest income against $2.8M; $762K total interest expense against $686K.
$2.4M net interest income against $2.1M.
$291K total noninterest income against $248K; $2.0M total noninterest expense against $1.9M.
$31K provision for credit losses against $631K.
$459K net income against -$123K.
0.76% return on assets against -0.21%; 4.17% net interest margin against 3.85%.
9.96% tier 1 leverage ratio against 9.84%.
Inside the full Hendricks County Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHendricks County Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,774 of 3,640, for Texas Ratio; its furthest is 3,062 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.21% (Q2 2025) to 0.76% (Q2 2026) and its net interest margin ran from 3.34% (Q3 2024) to 4.18% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.96% | 0.76% | 0.49% | 3.29% | 4.17% |
| Q1 2026 | 10.09% | 0.58% | 0.52% | 3.33% | 3.96% |
| Q4 2025 | 9.80% | 0.56% | 0.28% | 1.85% | 4.18% |
| Q3 2025 | 9.73% | -0.11% | 0.61% | 4.04% | 4.01% |
| Q2 2025 | 9.84% | -0.21% | 0.63% | 4.27% | 3.85% |
| Q1 2025 | 9.80% | 0.33% | 1.18% | 8.05% | 3.69% |
| Q4 2024 | 9.73% | 0.17% | 1.82% | 13.19% | 3.48% |
| Q3 2024 | 9.76% | 0.25% | 1.91% | 12.57% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Hendricks County Bank and Trust Company (main office) | Brownsburg , IN | 46112 | $87.9M |
| Danville Branch | Danville , IN | 46122 | $51.2M |
| Plainfield Branch | Plainfield , IN | 46168 | $40.4M |
| Avon Office Branch | Avon , IN | 46123 | $28.0M |
| Brownsburg Square Branch | Brownsburg , IN | 46112 | $18.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 1974 | Structure Change | Acquired Hendricks County Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 90 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 95 applications, 81 loans originated, $15.3M originated, across 1 states
- Period: Calendar year 2020. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
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Frequently asked about Hendricks County Bank and Trust Company
What are Hendricks County Bank and Trust Company's total assets?
As of the Q2 2026 filing, Hendricks County Bank and Trust Company reported total assets of $247.4 million in its FFIEC call report.
Where is Hendricks County Bank and Trust Company headquartered?
It is headquartered in Brownsburg, IN, United States.
When was Hendricks County Bank and Trust Company founded?
It was established in 1908, per the FDIC institution directory.
Is Hendricks County Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hendricks County Bank and Trust Company?
Hendricks County Bank and Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Hendricks County Bank and Trust Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hendricks County Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 3.29% 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.
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