Safest Banks in Indiana 2026
Indiana has 73 FDIC-insured banks with an average Bank Health Score of 70/100 (B). The safest bank is Everence Trust Co with a score of 100/100.
Data from FDIC Q2 2024
Top 20 of 73 Banks in Indiana
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Everence Trust Co | Goshen | A | 100 | 138.45% | 0.00% |
| 2 | Citizens Stb New Castle | New Castle | A | 96 | 16.50% | 0.18% |
| 3 | Friendship State Bank | Friendship | A | 95 | 15.41% | 0.00% |
| 4 | Home Nb of Thorntown | Thorntown | A | 95 | 15.58% | 0.08% |
| 5 | Campbell&Fetter Bank | Kendallville | A | 93 | 23.43% | 0.07% |
| 6 | Fountain Trust Co | Covington | A | 93 | 17.49% | 0.75% |
| 7 | German American Bank | Jasper | A | 92 | 13.72% | 0.18% |
| 8 | Star Financial Bank | Fort Wayne | A | 92 | 13.83% | 0.27% |
| 9 | Scottsburg Bldg&La | Scottsburg | A | 92 | 40.28% | 0.00% |
| 10 | Lnb Community Bank | Lynnville | A | 92 | 16.99% | 0.13% |
| 11 | National Bank of Inpolis | Indianapolis | A | 91 | 12.94% | 0.06% |
| 12 | Fcn Bank National Assn | Brookville | A | 90 | 13.51% | 0.03% |
| 13 | Garrett State Bank | Garrett | A | 87 | 17.91% | 0.34% |
| 14 | First Stb of Middlebury | Middlebury | A | 87 | 15.75% | 0.11% |
| 15 | Owen County State Bank | Spencer | A | 86 | 13.41% | 0.52% |
| 16 | Mutual Savings Bank | Franklin | A | 86 | 12.20% | 0.00% |
| 17 | Boonville FSB | Boonville | A | 86 | 14.95% | 1.13% |
| 18 | First Financial Bank NA | Terre Haute | A | 86 | 13.44% | 0.50% |
| 19 | Community State Bank | Avilla | A | 85 | 12.24% | 0.03% |
| 20 | 1st Source Bank | South Bend | A | 84 | 13.31% | 0.34% |
Bank Health Scores for Indiana are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Everence Trust Co in Goshen is currently the safest bank in Indiana with a score of 100/100 (Grade A).
Indiana has 73 FDIC-insured banks with a combined $170.7B in total assets. The average Bank Health Score across the state is 70/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).