What is First National Bank's financial health grade?

First National Bank has a TFS Financial Health Grade of D+ (score: 68.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank have?

First National Bank has 7 branch locations across the United States.

Is First National Bank FDIC insured?

Yes, First National Bank is FDIC insured (Certificate #4324).

What are the total assets of First National Bank?

First National Bank has total assets of $425.7M as reported in its most recent FDIC filing.

First National Bank

BankCloverdale, Indiana

http://www.fnb-bank.com

Total Assets

$425.7M

Total Deposits

$390.7M

Branches

Established

1913

TFS Health Grade

D+

68.8 / 100

Below average financial health

How we grade

First National Bank is a bank headquartered in Cloverdale, Indiana, established in 1913. With $425.7M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D+ (68.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.30%(8%)

Total Capital Ratio

18.01%(10%)

Non-Performing Loan Ratio

0.22%

Profitability

Return on Assets (ROA)

0.49%(1%)

Return on Equity (ROE)

6.79%(10%)

Net Interest Margin

3.10%

Efficiency Ratio

82.31%(60%)

Lending & Liquidity

Total Loans

$225.9M

Loan-to-Deposit Ratio

56.72%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+2.90%

Deposit Growth (YoY)

+2.35%

Net Income

$2.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First National BankHQ	302 S Main St	Cloverdale	IN	11
First National Bank	1627 E Us Highway 40	Clayton	IN	11
First National Bank	1000 N Main St	Cloverdale	IN	11
First National Bank	4922 S State Road 75	Coatesville	IN	11
First National Bank	1701 E King St	Franklin	IN	11
First National Bank	1128 Indianapolis Rd	Greencastle	IN	11
First National Bank	101 W Main St	Plainfield	IN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.