The Napoleon State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Napoleon State Bank is an FDIC-insured commercial bank headquartered in Napoleon, IN, established in 1903 (FDIC certificate 10101), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $499.2M, up 4.5% from Q2 2025, the 41st largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10101
- Headquarters
- Napoleon, IN
- Established
- 1903
- Total assets, Q2 2026
- $499.2M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 11.07%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 074908510
- Latest call report
- Q2 2026, FFIEC 051 · The Napoleon State Bank call report
- Holding company
- NAPOLEON BANCORP
- Asset rank in state
- 41st of 87 in Indiana
Problem loans are rising at The Napoleon State Bank. The Napoleon, Indiana bank had $499 million in assets at June 30, 2026, up 4.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.10% of loans from 0.29% a year earlier. It holds commercial real estate loans equal to only 38% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 11.4% over the year, about double the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 11.4% and deposits rose 3.9%.
As of June 30, 2026, The Napoleon State Bank reported a return on assets of 1.42%, a nonperforming-loan ratio of 1.10% and a Texas ratio of 6.90%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, The Napoleon State Bank is the 41st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $499.2M, loans rose 4.2% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 44.8% of total loans, ahead of farmland and other real estate loans at 17.5%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in IN; its Greensburg 2 offices book 39% of its branch deposits. Judged on its Q2 2026 call report, The Napoleon State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8912 N Us Highway 421, Napoleon, IN 47034
- County
- Ripley
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 9, 1903
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $440.4M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $503.3M
- Average total loans
- $357.3M
- Average interest-bearing deposits
- $351.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10101
- Fed RSSD
- 944047
- Website
- www.napoleonstatebank.com →
- Parent Holding Company
- NAPOLEON BANCORP (RSSD 1210525)
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, The Napoleon State 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, The Napoleon State Bank's total assets ranged from $423.1M (Q3 2023) to $507.0M (Q1 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
$499.2M total assets against $477.6M; $444.0M total liabilities against $427.8M.
$360.5M net loans and leases against $323.7M; $440.4M total deposits against $424.0M.
$81.8M securities against $77.4M; $36.9M cash and balances due against $59.4M.
$7.0M total interest income against $7.0M; $1.9M total interest expense against $2.0M.
$5.2M net interest income against $5.0M.
$599K total noninterest income against $509K; $3.1M total noninterest expense against $3.1M.
$292K provision for credit losses against $51K.
$1.8M net income against $1.8M.
1.42% return on assets against 1.54%; 4.38% net interest margin against 4.41%.
11.07% tier 1 leverage ratio against 10.49%.
Inside the full The Napoleon State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Napoleon State Bank rankings
Its closest position to the top of a national ranking is 965 of 3,640, for Texas Ratio; its furthest is 1,780 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q4 2024) to 1.54% (Q2 2025) and its net interest margin ran from 4.25% (Q1 2025) to 4.56% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.07% | 1.42% | 1.10% | 6.90% | 4.38% |
| Q1 2026 | 11.01% | 1.50% | 0.21% | 1.49% | 4.52% |
| Q4 2025 | 10.66% | 1.49% | 0.26% | 1.59% | 4.56% |
| Q3 2025 | 10.65% | 1.46% | 0.27% | 1.60% | 4.48% |
| Q2 2025 | 10.49% | 1.54% | 0.29% | 1.76% | 4.41% |
| Q1 2025 | 10.29% | 1.38% | 0.59% | 3.60% | 4.25% |
| Q4 2024 | 10.26% | 1.26% | 0.38% | 2.43% | 4.37% |
| Q3 2024 | 10.25% | 1.37% | 0.24% | 1.50% | 4.33% |
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 |
|---|---|---|---|
| The Napoleon State Bank | Napoleon , IN | 47034 | $139.4M |
| Greensburg Branch | Greensburg , IN | 47240 | $111.9M |
| Osgood Branch | Osgood , IN | 47037 | $60.8M |
| Greensburg Lincoln Street Branch | Greensburg , IN | 47240 | $58.0M |
| Milan Branch | Milan , IN | 47031 | $28.7M |
| Holton Branch | Holton , IN | 47023 | $21.3M |
| Westport Branch | Westport , IN | 47283 | $20.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 59 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K 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, 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 The Napoleon State Bank
What are The Napoleon State Bank's total assets?
As of the Q2 2026 filing, The Napoleon State Bank reported total assets of $499.2 million in its FFIEC call report.
Where is The Napoleon State Bank headquartered?
It is headquartered in Napoleon, IN, United States.
When was The Napoleon State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is The Napoleon State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Napoleon State Bank?
The Napoleon State Bank's primary federal regulator is the FDIC.
How many branches does The Napoleon State 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 The Napoleon State Bank's Texas Ratio?
Its Texas Ratio is 6.90% 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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