Home Nb of Thorntown Safety Rating
Home Nb of Thorntown's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #290 out of 3,960 FDIC-insured banks nationally (top 7%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Home Nb of Thorntown's best component is Tier 1 capital (100/100) and its weakest is profitability (52/100).
This page answers a common banking-safety question: Home Nb of Thorntown Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Home Nb of Thorntown Safety Rating Breakdown
- Overall rating
- Grade A (95/100)
- National rank
- #290 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 98/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 52/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Home Nb of Thorntown among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 7% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.58% | 100/100 |
| Nonperforming Loan Ratio | 0.08% | 98/100 |
| Liquidity Ratio | 32.39% | 100/100 |
| Return on Assets | 0.80% | 52/100 |
| Total Assets | $0.2B | |
How does Home Nb of Thorntown compare?
With a Bank Health Score of 95/100, Home Nb of Thorntown sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Indiana, where 73 FDIC-insured banks are headquartered, Home Nb of Thorntown ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 15.58% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.08% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Home Nb of Thorntown's Bank Health Score held roughly steady at 95/100. Tier 1 capital weakened by 0.26 percentage points to 15.58%. Quarter-over-quarter, the score rose by 6.0 points.
Frequently Asked Questions
Home Nb of Thorntown's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #290 out of 3,960 FDIC-insured banks nationally (top 7%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Home Nb of Thorntown's best component is Tier 1 capital (100/100) and its weakest is profitability (52/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Home Nb of Thorntown: Tier 1 capital scores 100/100, loan quality 98/100, liquidity 100/100, and profitability 52/100 — combining to 95/100 (grade A).
Home Nb of Thorntown's Bank Health Score of 95/100 is 25.0 points above the Indiana state average of 70/100. 73 FDIC-insured banks are headquartered in Indiana.
Yes. Home Nb of Thorntown (FDIC certificate #14225) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Home Nb of Thorntown
Home Nb of Thorntown's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #290 out of 3,960 FDIC-insured banks nationally (top 7%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Home Nb of Thorntown's best component is Tier 1 capital (100/100) and its weakest is profitability (52/100).