The Napoleon State Bank vs Three Rivers
Comparing a Bank in Napoleon, IN with a Credit Union in Fort Wayne, IN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Napoleon State Bank ↗ Bank · Napoleon, IN · Est. 1903 | Three Rivers ↗ Credit Union · Fort Wayne, IN · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Napoleon, IN | Fort Wayne, IN |
| Total assets | $507.0M | $2.8B |
| Capital ratio | 10.7% | 13.6% |
| Return on assets | 1.5% | 1.8% |
| Deposits | $449.0M | — |
| Branches | 7 | 138,447 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 89 | #1 of 124 |
| Established | 1903 | 1935 |
The Napoleon State Bank
- Assets: $507.0M
- Deposits: $449.0M
- Capital ratio: 10.7%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #1 of 89
Three Rivers
- Assets: $2.8B
- Members: 138,447
- Capital ratio: 13.6%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 124
Are both institutions federally insured?
Yes. The Napoleon State Bank is FDIC-insured and Three Rivers is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Napoleon State Bank or Three Rivers?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Napoleon State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Napoleon State Bank safe?
Yes — The Napoleon State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Three Rivers safe?
Yes — Three Rivers is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Napoleon State Bank vs Three Rivers?
The Napoleon State Bank has a capital ratio of 10.7%, placing it in the top 42% of $100M–1B peers. Three Rivers's ratio is 13.6%, placing it in the top 13% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Napoleon State Bank have compared to Three Rivers?
The CFPB database shows 0 complaints against The Napoleon State Bank, and 0 complaints against Three Rivers. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Napoleon State Bank with other Banks in Indiana
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
