Home National Bank
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Data as of · sourced from FFIEC call reports. How we update
Home National Bank is an FDIC-insured commercial bank headquartered in Racine, OH, established in 1910 (FDIC certificate 6680), and it is supervised by the OCC. At Q2 2026 it reported total assets of $95.0M, up 4.0% from Q2 2025, the 135th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6680
- Headquarters
- Racine, OH
- Established
- 1910
- Total assets, Q2 2026
- $95.0M
- Assets vs Q2 2025
- +4.0%
- Tier 1 leverage ratio, Q2 2026
- 10.46%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 044208512
- Latest call report
- Q2 2026, FFIEC 051 · Home National Bank call report
- Holding company
- RACINE HNB, INC
- Asset rank in state
- 135th of 154 in Ohio
Problem loans are rising at Home National Bank. It reported $95 million in assets at June 30, 2026, up 4.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.43% of loans from 1.56% a year earlier. It carries problem assets equal to 14.5% of the capital and reserves that would absorb them, 10.5 times the median of 1.4% for the 583 banks with less than $100 million in assets. On the other hand, it keeps 4.87 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
Earnings jumped: net income for the quarter was $235,000, 44% above the same quarter a year earlier. Over the same year, loans grew 1.3% and deposits grew 5.9%. Where it has less room is capital: it funds 10.46% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Home National Bank reported a return on assets of 0.98%, a nonperforming-loan ratio of 2.43% and a Texas ratio of 14.51%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Home National Bank is the 135th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.6% to $95.0M, loans fell 1.6% and deposits rose 5.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.1% of total loans, followed by other consumer loans at 8.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Racine office books 83% of its branch deposits. By the capital ratios in its Q2 2026 call report, Home National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 502 Elm St, Racine, OH 45771
- County
- Meigs
- 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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 10, 1910
- Former names
- The Racine Home National Bank (1967-1983)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $84.0M
- Allowance for credit losses
- $974K
- Net charge-offs (YTD)
- $79K
- Average total assets
- $95.7M
- Average total loans
- $58.0M
- Average interest-bearing deposits
- $63.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6680
- Fed RSSD
- 79127
- Website
- www.homenatlbank.com →
- Parent Holding Company
- RACINE HNB, INC (RSSD 5786475)
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, Home National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Home National Bank's total assets ranged from $82.2M (Q1 2024) to $95.0M (Q2 2026), 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
$95.0M total assets against $91.3M; $86.3M total liabilities against $83.2M.
$56.5M net loans and leases against $55.8M; $84.0M total deposits against $79.3M.
$21.3M securities against $21.8M; $8.9M cash and balances due against $5.7M.
$1.4M total interest income against $1.3M; $376K total interest expense against $378K.
$1.1M net interest income against $964K.
$112K total noninterest income against $143K; $896K total noninterest expense against $899K.
$52K provision for credit losses against $45K.
$235K net income against $163K.
0.98% return on assets against 0.71%; 4.87% net interest margin against 4.52%.
10.46% tier 1 leverage ratio against 10.74%.
Inside the full Home National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q4 2025) to 0.98% (Q2 2026) and its net interest margin ran from 4.22% (Q4 2024) to 4.94% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.46% | 0.98% | 2.43% | 14.51% | 4.87% |
| Q1 2026 | 10.82% | 0.78% | 2.58% | 15.70% | 4.69% |
| Q4 2025 | 11.13% | 0.50% | 2.26% | 13.12% | 4.76% |
| Q3 2025 | 11.22% | 0.60% | 1.58% | 9.45% | 4.94% |
| Q2 2025 | 10.74% | 0.71% | 1.56% | 10.35% | 4.52% |
| Q1 2025 | 11.02% | 0.61% | 2.34% | 15.29% | 4.28% |
| Q4 2024 | 10.98% | 0.63% | 3.09% | 19.65% | 4.22% |
| Q3 2024 | 11.50% | 0.74% | 2.14% | 12.67% | 4.25% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Home National Bank (main office) | Racine , OH | 45771 | $69.8M |
| Middleport Branch | Middleport , OH | 45760 | $6.1M |
| Home National Bank Branch | Ravenswood , WV | 26164 | $4.2M |
| Syracuse Branch | Syracuse , OH | 45779 | $3.9M |
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 |
|---|---|---|---|
| July 17, 1967 | Structure Change | Acquired Racine Home Bank 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 7 against individuals associated with it
- April 30, 2001, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Home National Bank
- November 6, 2000, OCC: Civil Money Penalty (CMP): Home National Bank
- January 29, 1999, OCC: Formal Agreement: Home National Bank
- Period: Most recent institution action April 30, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 151 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $110K approved, $110K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Home National Bank
What are Home National Bank's total assets?
As of the Q2 2026 filing, Home National Bank reported total assets of $95.0 million in its FFIEC call report.
Where is Home National Bank headquartered?
It is headquartered in Racine, OH, United States.
When was Home National Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Home National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home National Bank?
Home National Bank's primary federal regulator is the OCC.
How many branches does Home National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home National Bank's Texas Ratio?
Its Texas Ratio is 14.51% 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.
What was Home National Bank previously called?
The charter now named Home National Bank has also operated as The Racine Home National Bank (1967-1983), per FDIC structure-change records.
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