The Home National Bank of Thorntown: how it compares with its peers
Against 26 IN banks with half to twice its assets, The Home National Bank of Thorntown's strongest measure in Q2 2026 is net interest margin (4.27% vs. a 3.54% peer median). Its weakest relative measure is return on assets (0.96% vs. 0.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 0.95% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.27% | 3.54% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.27% | 70.50% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $5.9M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.58% | 79.51% | Context |
What it means for lending operations
Its efficiency ratio of 67.27% is better than the 70.50% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- LNB Community Bank Lynnville, IN · $181M
- Fowler State Bank Fowler, IN · $190M
- Community State Bank Royal Center, IN · $176M
- First State Bank of Porter Porter, IN · $162M
- Community State Bank Brook, IN · $161M
- First Federal Savings and Loan Association of Greensburg Greensburg, IN · $159M
Questions about The Home National Bank of Thorntown
How big is The Home National Bank of Thorntown?
The Home National Bank of Thorntown, established in 1901, is headquartered in Thorntown, IN. It reported $186M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Home National Bank of Thorntown's return on assets?
0.96% annualized in Q2 2026, against a 0.95% median for 26 IN banks with half to twice its assets, ahead of 50% of them.
What is The Home National Bank of Thorntown's efficiency ratio?
67.27% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 70.50%, and lower is better.
Is The Home National Bank of Thorntown growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.