First National Bank
Cloverdale, IN
IDRSSD: 60648
Total Assets
$425.67M
Latest filing
Total Deposits
$390.66M
Latest filing
Net Interest Margin
3.19%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
302 S Main St
Cloverdale, IN 46120
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1913FDIC Certificate 2837
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 302 S Main St | Cloverdale, IN |
| CLOVERDALE I70 BRANCH | 1000 N Main St | Cloverdale, IN |
| FRANKLIN BRANCH | 1701 E King St | Franklin, IN |
| GREENCASTLE BRANCH | 1128 Indianapolis Rd | Greencastle, IN |
| COATESVILLE BRANCH | 4922 S State Road 75 | Coatesville, IN |
| BELLEVILLE BRANCH | 1627 E Us Highway 40 | Clayton, IN |
| PLAINFIELD BRANCH | 101 W Main St | Plainfield, IN |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The First National Bank of Monterey
Monterey, Indiana
→
Assets: $415.50MΔ -0.3%
The Bippus State Bank
Huntington, Indiana
→
Assets: $413.32MΔ -0.8%
Kentland Bank
Kentland, Indiana
→
Assets: $408.93MΔ -1.9%
Home Bank SB
Martinsville, Indiana
→
Assets: $427.71MΔ +2.7%
American Community Bank of Indiana
Saint John, Indiana
→
Assets: $389.83MΔ -6.4%
Security Federal Savings Bank
Logansport, Indiana
→
Assets: $444.54MΔ +6.7%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46120 |
| State and County Number | 18133 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Indianapolis-Carmel-Anderson, IN |
Operational Info
| Number of Employees | 73 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fnb-bank.com |
| Data Updated | 01/30/2026 |
| CERT | 4324 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $425.67M |
| Total Deposits | $390.66M |
| Total Liabilities | $393.87M |
| Total Equity Capital | $31.80M |
| Net Income | $424.00k |
| Net Loans and Leases | $221.57M |
| Assets Per Employee ($Millions) | $5.6M |
| Bank Premises and Fixed Assets | $3.77M |
| Cash and Balances due from Depository Institutions | $69.11M |
| Deposits Held in Domestic Offices | $390.66M |
Key Performance Ratios
| Return on Assets (ROA) | 0.4% |
| Return on Equity (ROE) | 5.43% |
| Net Interest Margin | 3.19% |
| Efficiency Ratio | 85.82% |
| Tier 1 Risk-Based Capital Ratio | 16.753% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.471% |
| Earning Assets to total Assets | 94.78% |
Income and Expense
| Total Interest Income | $4.95M |
| Total Noninterest Income | $490.00k |
| Total Interest Expense | $1.77M |
| Total Noninterest Expense | $3.15M |
| Net Interest Income | $3.18M |
| Pre-tax Net Operating Income | $521.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $47.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.21M |
| Total Liabilities and Capital | $425.67M |
Securities
| Securities | $116.56M |
| Available-for-sale debt securities | $115.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$425.67M as of the latest filing.
How much are First National Bank's total deposits?
$390.66M in total deposits.
Where is First National Bank located?
Cloverdale, IN.
What is the Net Interest Margin?
3.19%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
0.4%.
How much are total loans and leases?
$221.57M (latest filing).
What is the total interest income (latest filing)?
$4.95M.