Bank · FDIC insured
Home National Bank
A $95M bank headquartered in Racine, OH, with 4 branches in 2 states. Best rates: CDs 1.92% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs621.85%for 31–60 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Home National Bank
Established in Racine, Ohio in 1967 from the merger of Racine Home Bank and First National Bank, Home National Bank is headquartered at 502 Elm Street in Racine.
The bank operates branch locations in Syracuse and Middleport, Ohio, as well as Ravenswood, West Virginia.
- Headquarters
- 502 Elm St, Racine, OH 45771
- FDIC certificate
- 6680 ↗
Branches
4 branches in 2 states
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Ohio
3 branches
Racine area · 1
- Home National BankMain office502 Elm St, Racine, OH 45771Directions
Middleport area · 1
- Middleport Branch97 N 2nd Ave, Middleport, OH 45760Directions
Syracuse area · 1
- Syracuse Branch2405 3rd St, Syracuse, OH 45779Directions
West Virginia
1 branch
- Home National Bank Branch698 Washington Street, Ravenswood, WV 26164Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.46% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 2.43% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.90% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $68 | $67 | — |
- CapitalLeverage ratio10.46%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent2.43%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$68Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Home National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.