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The Napoleon State Bank
Napoleon, IN · FDIC Certificate #10101 · Chartered 12/0
Total assets
$499.22M
Total deposits
$440.43M
Total equity
$55.24M
Net loans
$360.48M
Branches (offices)
7
Net income (YTD)
$3.64M
Rank: #1,787 of 4,213 U.S. banks by assets · #41 of 87 in Indiana. Assets changed 4.5% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 13.50% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 11.07% |
| Tier 1 leverage ratio | 11.07% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 1.10% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 81.8% |
| Real estate loans (share of loans) | 80.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $288.95M | 80.2% | |
| Commercial & industrial | $28.88M | 8.0% | |
| Consumer / individual | $18.64M | 5.2% | |
| Construction & development | $22.62M | 6.3% | |
| Agricultural | $28.94M | 8.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $414.95M | $374.90M | $1.80M | $38.54M |
| Jun 2023 | $420.96M | $376.67M | $2.72M | $41.84M |
| Jun 2024 | $444.02M | $395.97M | $3.08M | $44.27M |
| Jun 2025 | $477.61M | $424.00M | $3.47M | $49.80M |
| Jun 2026 | $499.22M | $440.43M | $3.64M | $55.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $440.43M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $440.43M.
Similar-sized banks
The First National Bank Of Mertzon ($500.29M) · Ohnward Bank & Trust ($499.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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