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Hendricks County Bank and Trust Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Hendricks County Bank and Trust's top rates as of October 10, 2026 are 3.72% APY on its 18-Month Certificate, 1.00% APY on savings, 1.26% APY on money market accounts, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Hendricks County Bank and Trust CD rates include 36-Month Certificate at 3.23%. MonitorBankRates evaluates the financial stability of Hendricks County Bank and Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.59%. Rates last updated and verified on 10/10/2026.

Hendricks County Bank and Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hendricks County Bank and Trust? Share your experience about Hendricks County Bank and Trust by leaving a review below, or read customer reviews before you decide to use Hendricks County Bank and Trust.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.59%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Hendricks County Bank and Trust Company
1 E Main St
Brownsburg, IN 46112
https://www.hendrickscountybank.com
MemberFDIC
Customer Reviews
Be the first to review
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Hendricks County Bank and Trust CD Rates

Product Rate APY Term View More
18 Month Certificate 3.69% 3.72% 18 Month
Min Deposit $500
Details Interest Rate Under $100,000.00; Annual Percentage Rate (APY) Under $100,000.00; Interest Rate Over $100,000.00; Annual Percentage Rate (APY) Over $100,000.00
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 3.72% APY · checked 4 times
3.22%3.72%4.22%Sep 30, 2026: 3.72% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
36 Month Certificate 3.20% 3.23% 36 Month
Min Deposit $500
Details Interest Rate Under $100,000.00; Annual Percentage Rate (APY) Under $100,000.00; Interest Rate Over $100,000.00; Annual Percentage Rate (APY) Over $100,000.00
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 3.23% APY · checked 4 times
2.73%3.23%3.73%Sep 30, 2026: 3.23% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%

Hendricks County Bank and Trust Savings Rates

Product Rate APY View More
Savings 1.00% 1.00%
Min Deposit $50
Min Balance $100,000
Details Balance: Over $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 30, 2026: 1.00% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Health Savings Account 0.50% 0.50%
Min Deposit $1
Min Balance $10,000
Details Balance: Over $10,000
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 6, 2026: 0.50% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Savings 0.50% 0.50%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $99,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 30, 2026: 0.50% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Health Savings Account 0.40% 0.40%
Min Deposit $1
Min Balance $5,000
Details Balance: $5,000 to $9,999
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 6, 2026: 0.40% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Christmas Club 0.25% 0.25%
Min Deposit $1
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 30, 2026: 0.25% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Minor Savings 0.25% 0.25%
Min Deposit $50
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 30, 2026: 0.25% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Savings 0.25% 0.25%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 to $9,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 30, 2026: 0.25% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Savings 0.25% 0.25%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000 to $24,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 30, 2026: 0.25% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Health Savings Account 0.15% 0.15%
Min Deposit $1
Min Balance $1,000
Details Balance: $1,000 to $4,999
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 6, 2026: 0.15% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Health Savings Account 0.10% 0.10%
Min Deposit $1
Min Balance $0
Details Balance: $0 to $999
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 6, 2026: 0.10% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%

Hendricks County Bank and Trust Money Market Rates

Product Rate APY View More
Money Market Account - Personal 1.25% 1.26%
Min Deposit $50
Min Balance $100,000
Details Balance: Over $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 30, 2026: 1.26% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Money Market Account - Personal 0.55% 0.55%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $99,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 30, 2026: 0.55% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Money Market Account - Personal 0.25% 0.25%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000 to $24,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 30, 2026: 0.25% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Money Market Account - Personal 0.10% 0.10%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 to $9,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 30, 2026: 0.10% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%

Hendricks County Bank and Trust Business Money Market Rates

Product Rate APY View More
Money Market Account - Business 1.15% 1.16%
Min Deposit $50
Min Balance $100,000
Details Balance: Over $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 1.16% APY · checked 4 times
0.66%1.16%1.66%Sep 30, 2026: 1.16% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Money Market Account - Business 0.55% 0.55%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $99,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 30, 2026: 0.55% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Money Market Account - Business 0.25% 0.25%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000 to $24,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 30, 2026: 0.25% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Money Market Account - Business 0.10% 0.10%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 to $9,999
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 30, 2026: 0.10% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%

Hendricks County Bank and Trust Checking Rates

Product Rate APY View More
55+ Prestige Interest Checking 0.05% 0.05%
Min Deposit $50
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Direct Easy Interest Checking 0.05% 0.05%
Min Deposit $50
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Not for Profit Interest Checking 0.05% 0.05%
Min Deposit $50
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%

Hendricks County Bank and Trust Business Checking Rates

Product Rate APY View More
Business Interest Checking 0.05% 0.05%
Min Deposit $50
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%

Hendricks County Bank and Trust Other Rates

Product Rate Points APY/APR Term View More
Prime Time IRA 0.50% - 0.50%
Min Deposit $100
Details Interest Rate Under $100,000.00; Annual Percentage Rate (APY) Under $100,000.00; Interest Rate Over $100,000.00; Annual Percentage Rate (APY) Over $100,000.00
Last Updated 10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 30, 2026: 0.50% APYSep 30, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.59%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Hendricks County Bank and Trust’s Texas Ratio fell from 7.03% in Q3 2023 to 3.59% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.9% 2.0★ 9.7% 3.0★ 14.6% 4.0★ 19.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 7.03% B Q3 2023 A Q4 2023 A- Q1 2024 A+ Q2 2024 A Q3 2024 A- Q4 2024 A Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.59% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$247M3.59%5.0A+
March 31, 2026$240M3.63%5.0A+
December 31, 2025$235M2.02%5.0A+
September 30, 2025$235M4.50%5.0A+
June 30, 2025$230M4.65%5.0A+
March 31, 2025$234M8.77%5.0A
December 31, 2024$231M14.42%5.0A-
September 30, 2024$229M13.63%5.0A
June 30, 2024$236M0.09%4.8A+
March 31, 2024$238M6.89%4.5A-
December 31, 2023$227M6.08%4.7A
September 30, 2023$228M7.03%3.9B
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Hendricks County Bank and Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Hendricks County Bank and Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hendricks County Bank and Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Hendricks County Bank and Trust
Bank Holding Company MIDSTATE FINANCIAL CORP
Address 1 E Main St, Brownsburg, IN 46112  ·  Hendricks
Website https://www.hendrickscountybank.com
FDIC Certificate # 13111
Established 19080101
FDIC Insurance Date 19340101
Domestic Offices 5
Total Branches 5
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.59%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.6627%
Return on Equity (ROE) 7.8800%
Non-Performing Loans (NPL) 0.30%
Total Assets $247,428,000
Total Deposits $226,262,000
Equity Capital $20,672,000
Net Income $798,000
Headquarters Brownsburg
Total Branches and Offices 5
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Hendricks County Bank and Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/hendricks-county-bank-and-trust-company-rates-review-13111">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Hendricks County Bank and Trust yet. Feel free to create one below.
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Frequently Asked Questions About Hendricks County Bank and Trust

How many branches does Hendricks County Bank and Trust operate?

Hendricks County Bank and Trust currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Hendricks County Bank and Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hendricks County Bank and Trust provides members with tools to manage their accounts and build a solid financial history.

Does Hendricks County Bank and Trust offer online and mobile banking?

Most modern institutions like Hendricks County Bank and Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hendrickscountybank.com.

Current Hendricks County Bank and Trust Rates

  • 18-Month CD3.72%
  • 36-Month CD3.23%
  • Savings1.00%
  • MMA1.26%
Retrieved from our database of financial products. Rates subject to change.

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