Hendricks County Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.14 percentage points lower than in Q1 2026, at 154.52%. Hendricks County Bank and Trust Company ranks 65th of 87 Indiana banks on return on assets, in the lower half at 0.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Hendricks County Bank and Trust Company sits 0.49 points lower, at 0.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.96% |
| Equity capital to assets | 8.35% |
| Tangible equity to tangible assets | 8.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.35% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 154.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 8.94% |
| Net interest margin | 4.17% |
| Efficiency ratio | 75.24% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.36% |
| Core deposits to total deposits | 90.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.45% |
| Securities to assets | 26.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.84% | 0.21% | 3.28% | 1.40% | 0.00% |
| Q4 2023 | 9.84% | 0.22% | 3.35% | 1.32% | 0.00% |
| Q1 2024 | 9.68% | 0.25% | 3.25% | 0.60% | 0.04% |
| Q2 2024 | 9.49% | 0.28% | 3.30% | 0.57% | 0.08% |
| Q3 2024 | 9.76% | 0.25% | 3.34% | 2.43% | -0.01% |
| Q4 2024 | 9.73% | 0.17% | 3.48% | 2.34% | 0.02% |
| Q1 2025 | 9.80% | 0.33% | 3.69% | 1.83% | 0.02% |
| Q2 2025 | 9.84% | -0.21% | 3.85% | 0.88% | 1.82% |
| Q3 2025 | 9.73% | -0.11% | 4.01% | 0.88% | 0.00% |
| Q4 2025 | 9.80% | 0.56% | 4.18% | 0.54% | 1.09% |
| Q1 2026 | 10.09% | 0.58% | 3.96% | 0.78% | -0.04% |
| Q2 2026 | 9.96% | 0.76% | 4.17% | 0.79% | -0.00% |
Hendricks County Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hendricks County Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hendricks County Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13111) · FFIEC NIC profile (RSSD 633640)