# NAPOLEON STATE BANK
NAPOLEON, IN · FDIC certificate 10101 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $499.2M | |
| Deposits | $440.4M | |
| Loans and leases | $365.5M | |
| Total equity | $55.2M | |
| Loans / deposits | 81.85% (p50 of band) | 82.04% |
| Liquid assets / assets | 23.79% (p46 of band) | |
| Uninsured deposits / deposits | 16.04% (p15 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.07% (p56 of band) | 10.81% |
| Unrealized securities loss / equity | -2.03% (p79 of band) | -8.10% |
| AOCI / equity | -0.84% (p28 of band) | |
| ROA (annualized) | 1.47% (p62 of band) | 1.28% |
| Net interest margin | 4.42% (p78 of band) | 3.91% |
| Efficiency ratio | 55.35% (p32 of band) | |
| Noncurrent loans | 1.10% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 123.68% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 40.95% (p48 of band) | |
| Auto loans | $13.9M (3.80% of loans; DQ 0.37%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 82 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | loans exceed deposits |  |
| 2018-03 | 1 | capital falling | loans exceed deposits |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | capital falling | charge-offs p90 |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-24 [Napoleon State Bank begins work on Batesville branch - Inside INdiana Business](https://news.google.com/rss/articles/CBMioAFBVV95cUxPMnVYcXhVNndRNVFWMGJCVnVvNmZfOG9nYnVhNzE1bUpTbkFEaDZNWTNlczZiRE5VbldpZUVlM3hqM3NIbG9QYlFyRk45RVNkWk1oY0NEM1VESl84RkFGR2NrSjRQbnU1TDdqcEhHb3hpdkdYcEI2aHp1eXM2T0w2eVRIeDB4Zl93WWsteDRkZVlHY3RNN0kyWUJTeXlMZ2FQ?oc=5) · Inside INdiana Business
- 2026-07-20 [The Napoleon State Bank Celebrates Groundbreaking of New Batesville Location - Eagle Country 99.3](https://news.google.com/rss/articles/CBMixwFBVV95cUxQNHl4dnVzeElCZ1VvcEtnUXZqNThNbThHQmR5MC1qbGJ4dFREWnpCeVdKYkNXQWZYbE5CdXRpY3h3LVN5UGttb1ZBOG52NWZ6YjRsX2V0X2NNUkNtcHEydjhmZ285aWlUanZoY3gwVmVKcUlsckxEbjhRcUlPMnlCQmZXdEJoOFJOQUp5UWlobW91MnBTOEE2SklWdWs0V3YxVkx1UzdiRGVaQi13ZXdoNVdDV2VYNWFoOGNiTUZhcUI1M3FiMllJ?oc=5) · Eagle Country 99.3
- 2026-05-04 [South Decatur teacher surprised by Napoleon State Bank - The 812](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcHRoV3FmZmJuZ24wRUpRMVZxaDhsNUpLaS1Va1hKSFhlRTRoWEw1R1lwNnVHQWhTLVVoeGk5UFVXbkRwT01KSmVxZjFINFpIVzlMVUREc3BFTW1ZU3h5WGVSem9DYXhNQjRKT0FUSWZhT3NBMUViZy1IR2JGcUwxYTZ4eVpZOFQzc2lF?oc=5) · The 812
- 2026-04-25 [The Napoleon State Bank named a Five Star Member of the IBA - Greensburg Daily News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPVHR5MXNTMWxGWWZrRVg0UnI5OThtUGZadDJtNTZ6ejJxWGEzMmZqeXU5ZzFFRkd4VXJGVndneE1XS3VGakl3NmJ3dm9oQmhUQWVsZXdjc1R1LUJBOGpLRkZBTTQxWW1SUGZiRGlwYmdVQldOaEhpTm4yWHRqbEkyamkxcHFJekJEY3ZzOFdXcmMwVHBGZ0ZXS0ZsRFpSbXJUNWVCUnpRd3lFbTltbms3S2xySjV0WVpqdXloU1VhbkZYSGNSZHNobHNOM0h5WU9xOHdOaFFfM1czZUNFS2ZMVUdEeThoWHZneTgyc1cweTdNNUE?oc=5) · Greensburg Daily News
- 2026-06-19 [Former Bank Employee Sentenced - WRBI Radio](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9HLW9uQWQ4enNWNllmQ045bVppb3pTcmdjbU1nM2t2Y1NtUHBRUU1ramtDV0VndXZuQTlnbXFWazVPZTg0Y0ZBbDdaYmdJM29HZVdlblJtaFBPNWRxSUY0aDdlOA?oc=5) · WRBI Radio
- 2019-09-19 [The Napoleon State Bank Coming To Milan - Eagle Country 99.3](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMk5aODVjUHRfOGZsQ2RKOF9ralRYYzRpSC14eG5Jc3piZXgwYnRKZW9vd1R0YlE3Z1JyQmc5NVlsZ0pLcXRVZUp0SHA0SUlsb0lzdTVHWlcyYXNOWHphS1VoQk5Qcm9BdmltNEpBYy01QlBpM2hrcS0yc3VSTVJ0MFZsNkRObEE0UTE4aTNPa1oxNTNiNUE?oc=5) · Eagle Country 99.3
- 2025-04-17 [Kessens retiring from Napoleon State Bank after 44 years - The 812](https://news.google.com/rss/articles/CBMijgFBVV95cUxON3RtNDNIRVlvSW5SN3dZMnNtdldiak1aX2ZpNFdNeFU5TnRGd1k2a3p1MnNJM1hJS3FXZlZNaEV1UlhiYzJwa00xSUc1MFo0QTd2VHdwU191QUluNnk5T2Z5Rl9NOHJzSFJQbm5YUkpIMjhWUmVpbVIzTmh2cll0ZDF3VTVvRFVYOVlaLXJn?oc=5) · The 812
- 2025-05-06 [Napoleon State Bank Awards $82K in Grants to Three Local Organizations - Eagle Country 99.3](https://news.google.com/rss/articles/CBMivgFBVV95cUxNQTNtRFFCUXhtY1pqNVdwSG96QUtYSlB6TndWWU9sLXh1ZzNVTHlTX3MtNXNFWFZBc2x6SkY2ckxOT240WVZmX2ctRElINlBWTlV0cFR5eWZVbmlQQ1hkWXFrenAwRG9ZNk1ZQzFCMlJrRDZJQ2dNQmlQVjMyZVo3b0NBX2dEbVlXVUk1N1RaeWQ1NGo2c2pfNHZMMDRZclhwdldKV2RlYjQ5WnJXR1ZRVTU0ZElFS1ZHSWRQRnd3?oc=5) · Eagle Country 99.3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10101 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "10101", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide