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Overview / Commentary
122 East Washington Street
Napoleon, OH 43545

The Henry County Bank is headquartered in Napoleon and is the 68th largest bank in the state of Ohio. It is also the 2,366th largest bank in the nation. It was established in 1936 and as of June of 2014, it had grown to 62 employees at 6 locations. The Henry County Bank's savings rates are 5X the national average, and it has a B health rating.

Reviews (1)

HSA Accounts Have $3/Month Maintenance Fee

The staff was very polite and answered all of my questions over the phone clearly.  


HSA's don't require in person setup, but do require notorized documentation if not in person.  Also there's a $3/month fee for the HSA. 


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 The Henry County Bank had $4.49 million in non-current loans and owned real-estate with $29.4 million in equity and loan loss allowances on hand to cover it. This gives The Henry County Bank a Texas Ratio of 15.25% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Henry County Bank increased slightly from 7.24% as of June 30, 2013 to 15.25% as of June 30, 2014, resulting in a negative change of 110.61%. This indicates that the balance sheet and financial strength for The Henry County Bank has declined slightly in recent periods.

Deposit Growth


In the past year, The Henry County Bank has increased its total deposits by $21.52 million, resulting in 10.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Henry County Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Henry County Bank has $272.7 million in assets with $29.4 million in equity, resulting in a capitalization level of 10.78%, which is above average.

Institution Statistics

FDIC Certificate #15384
Year Established1936
Primary RegulatorFDIC
Assets and Liabilities
Assets$272.70 million
Loans$115.45 million
Deposits$223.35 million
Equity Capital$26.77 million
Loan Loss Allowance$2.64 million
Unbacked Noncurrent Loans$4.16 million
Real Estate Owned$322,000
Historic Data - June 2013
Assets$251.45 million
Equity Capital$25.61 million
Loan Loss Allowance$1.58 million
Unbacked Noncurrent Loans$4.16 million
Real Estate Owned$996,000
Profit Margin - Quarterly
Return on Assets0.48%
Return on Equity5.02%
Interest Income$4.86 million

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The Henry County Bank Savings Account Rates

2.78%$10k-Health Savings Account
0.08%$2,500-Super Statement Savings
0.03%--Passbook Savings
0.03%--Statement Savings

The Henry County Bank Money Market Rates


The Henry County Bank Checking Account Rates

0.05%$2,500-Super N.O.W. Account
0.03%$1k-N.O.W. Account

The Henry County Bank CD Rates

0.80%$500-5 Year CD
0.80%$500-6 Year CD
0.80%$500-7 Year CD
0.80%$500-8 Year CD
0.80%$500-9 Year CD
0.80%$500-10 Year CD
0.60%$500-4 Year CD
0.40%$500-3 Year CD
0.35%$500-2 Year CD
0.35%$500-23 Month CD
0.35%$500-2-1/2 Year CD
0.25%$500-1 Year CD
0.25%$500-1-1/2 Year CD
0.25%$500-15 Month Positive Growth CD
0.20%$500-10 Month CD
0.10%$500-91 Day CD
0.10%$500-26 Week CD
0.10%$500-7 Month Super CD

The Henry County Bank IRA Rates

0.98%$500-3 Year IRA
0.40%$100-2 Year IRA
0.25%$500-1-1/2 Year IRA

The Henry County Bank Locations
Holgate Branch119 Railway AvenueHolgate, OH 43527
The Henry County Bank122 East Washington StreetNapoleon, OH 43545
North Scott Branch1423 North Scott StreetNapoleon, OH 43545
Perry Street Branch403 South Perry StreetNapoleon, OH 43545
Liberty Center Branch523 East StreetLiberty Center, OH 43532
Malinta BranchTurkeyfoot AvenueMalinta, OH 43535