Home National Bank
Racine, OH
IDRSSD: 79127
Total Assets
$89.58M
Latest filing
Total Deposits
$78.42M
Latest filing
Net Interest Margin
5.03%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Home National Bank
502 Elm St
Racine, OH 45771
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/10/1910FDIC Certificate 4478
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Home National Bank (Main) | 502 Elm St | Racine, OH |
| SYRACUSE BRANCH | 2405 3rd St | Syracuse, OH |
| MIDDLEPORT BRANCH | 97 N 2nd Ave | Middleport, OH |
| HOME NATIONAL BANK BRANCH | 698 Washington Street | Ravenswood, WV |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/10/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45771 |
| State and County Number | 39105 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| 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 | N/A |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.homenatlbank.com |
| Data Updated | 11/14/2025 |
| CERT | 6680 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $89.58M |
| Total Deposits | $78.42M |
| Total Liabilities | $80.92M |
| Total Equity Capital | $8.66M |
| Net Income | $133.00k |
| Net Loans and Leases | $54.32M |
| Assets Per Employee ($Millions) | $3.89M |
| Bank Premises and Fixed Assets | $4.05M |
| Cash and Balances due from Depository Institutions | $2.58M |
| Deposits Held in Domestic Offices | $78.42M |
Key Performance Ratios
| Return on Assets (ROA) | 0.59% |
| Return on Equity (ROE) | 6.34% |
| Net Interest Margin | 5.03% |
| Efficiency Ratio | 84.25% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.672% |
| Earning Assets to total Assets | 89.31% |
Income and Expense
| Total Interest Income | $1.38M |
| Total Noninterest Income | $107.00k |
| Total Interest Expense | $362.00k |
| Total Noninterest Expense | $947.00k |
| Net Interest Income | $1.02M |
| Pre-tax Net Operating Income | $133.00k |
| Provision for Credit Losses | $44.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $35.00k |
| Other borrowed funds | $1.62M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.56M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $881.00k |
| Total Liabilities and Capital | $89.58M |
Securities
| Securities | $21.91M |
| Available-for-sale debt securities | $21.91M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Home National Bank?
$89.58M as of the latest filing.
How much are Home National Bank's total deposits?
$78.42M in total deposits.
Where is Home National Bank located?
Racine, OH.
What is the Net Interest Margin?
5.03%.
How many domestic offices does it operate?
4.
When was it established?
04/10/1910.
What is the Return on Assets (ROA)?
0.59%.
How much are total loans and leases?
$54.32M (latest filing).
What is the total interest income (latest filing)?
$1.38M.