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8912 N Ushwy 421
Napoleon, IN 47034

The Napoleon State Bank is headquartered in Napoleon and is the 67th largest bank in the state of Indiana. It is also the 3,045th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 55 employees at 4 locations. The Napoleon State Bank's savings rates are 4X the national average, and it has a B+ health rating.

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Reviews (1)

Very Unhelpful

I just called Napoleon. I had some very basic questions such as early withdrawal penalty.

Never got a straight answer from them. Very scary.


Data for Q1 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 March 31, 2014 The Napoleon State Bank had $1.14 million in non-current loans and owned real-estate with $19.91 million in equity and loan loss allowances on hand to cover it. This gives The Napoleon State Bank a Texas Ratio of 5.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Napoleon State Bank experienced no significant changes from 3.08% as of March 31, 2013 to 5.71% as of March 31, 2014, resulting in a negative change of 85.16%. This indicates that the balance sheet and financial strength for The Napoleon State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, The Napoleon State Bank has decreased its total deposits by -$1.1 million, resulting in -0.62% 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 Napoleon State Bank has shown is average.



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 Napoleon State Bank has $201.35 million in assets with $19.91 million in equity, resulting in a capitalization level of 9.89%, which is above average.

Institution Statistics

FDIC Certificate #10101
Year Established1903
Primary RegulatorFDIC
Assets and Liabilities
Assets$201.35 million
Loans$142.62 million
Deposits$177.32 million
Equity Capital$18.22 million
Loan Loss Allowance$1.69 million
Unbacked Noncurrent Loans$925,000
Real Estate Owned$212,000
Historic Data - March 2013
Assets$196.30 million
Equity Capital$16.86 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$925,000
Real Estate Owned$35,000
Profit Margin - Quarterly
Net Interest Margin3.73%
Return on Assets0.92%
Return on Equity10.07%
Interest Income$2.03 million
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The Napoleon State Bank Savings Account Rates

2.02%$15k-Special Health Savings

The Napoleon State Bank Money Market Rates

0.35%$100k-Money Market Demand Account

The Napoleon State Bank CD Rates

1.31%$50k$100k5 Year CD
1.06%$50k$100k4 Year CD
0.70%$50k$100k3 Year CD
0.55%$50k$100k2 Year CD
0.55%$50k$100k2 1/2 Year CD
0.45%$50k$100k1 Year CD
0.45%$50k$100k1 1/2 Year CD
0.25%$50k$100k182 Day CD
0.20%$50k$100k7-31 Day CD
0.20%$50k$100k91 Day CD

The Napoleon State Bank IRA Rates

1.31%$50k$100k5 Year IRA
1.06%$50k$100k4 Year IRA
0.70%$50k$100k3 Year IRA
0.55%$50k$100k2 Year IRA
0.55%$50k$100k2 1/2 Year IRA
0.45%$50k$100k1 Year IRA
0.45%$50k$100k1 1/2 Year IRA
0.25%$50k$100k182 Day IRA
0.20%$50k$100k7-31 Day IRA
0.20%$50k$100k91 Day IRA

The Napoleon State Bank Locations
Greensburg Branch1221 West Westridge ParkwayGreensburg, IN 47240
Holton Branch6383 West U.S. 50Holton, IN 47023
The Napoleon State Bank8912 N Ushwy 421Napoleon, IN 47034
Osgood Branch910 South BuckeyeOsgood, IN 47037