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First Bank Richmond

Richmond, IN · Cert 28533 · Richmond Mutual Bcorp Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

21

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bank Richmond

Richmond, IN · Cert 28533 · Richmond Mutual Bcorp Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$1.5BAssets
$1.2BLoans
$1.2BDeposits
$136.4MEquity
Loan mix
85%RE $884.2M13%C&I $136.5M2%Consumer $18.3MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $1.0B9%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.13%Q2 ’245.44%Q2 ’255.48%Q2 ’26+8%+11%

Non-interest income vs. expense

2.00%Q2 ’242.04%Q2 ’252.33%Q2 ’26+1%+14%

Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.5% share · #18 of 26 inst. · $0.1B of $16.3B

35.0% Wayne
11.1% Shelby
3.6% Miami
0.0% Franklin

Executive Summary

  • Earnings: ROA of 0.72%, up 5 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 1.78% of loans (+110 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 10.90%, up 15 bps from a year ago.
  • Funding: loans stand at 106.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+29 bps YoY

Efficiency Ratio (YTD, annualized)

69.12%+184 bps YoY

Tier 1 Leverage Ratio

10.90%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.77%0.83%0.77%0.72%+5 bps
Return on Equity8.34%9.40%9.97%8.64%8.11%-23 bps
Net Interest Margin2.68%2.75%2.78%2.94%2.97%+29 bps
Efficiency Ratio67.27%65.73%64.49%66.91%69.12%+184 bps
Non-Interest Burden1.69%1.68%1.66%1.84%1.93%+24 bps
Growth
Asset Growth (YoY)0.90%2.26%1.27%-0.30%2.83%+193 bps
Loan Growth (YoY)2.39%3.38%1.36%-0.15%3.34%+96 bps
Deposit Growth (YoY)-0.88%2.24%1.64%0.12%4.79%+567 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.90%1.46%1.48%1.78%+110 bps
Net Charge-Offs / Loans0.17%0.15%0.14%0.12%0.15%-2 bps
Allowance / Loans1.37%1.37%1.38%1.41%1.39%+2 bps
Allowance Coverage of NPLs2.0x1.5x0.9x1.0x0.8x-1.2x
Capital
Tier 1 Leverage Ratio10.75%10.85%10.95%11.10%10.90%+15 bps
Total Risk-Based Capital14.24%14.36%14.64%14.62%14.24%0 bps
Equity / Assets8.19%8.56%8.96%8.86%8.82%+63 bps
Liquidity & Funding
Loans / Deposits107.78%106.55%106.49%107.14%106.30%-149 bps
Liquid Assets / Assets1.08%1.47%1.62%1.74%1.55%+47 bps
CRE / Total Capitaln/a414%402%403%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Bank Richmond

Richmond, IN · Cert 28533 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Richmond Mutual Bcorp Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$1.5BAssets
$1.2BLoans
$1.2BDeposits
$136.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 62% of banks $1B-$10B in assets operating regionally (rank 67 of 176).
  • Widest gap: net interest margin trails 89% of banks $1B-$10B in assets operating regionally (rank 156 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.71%

Rank 153 of 176

Net Interest Margin

2.97%

Rank 156 of 176

Efficiency Ratio

69.12%

Rank 140 of 176

Equity / Assets

8.82%

Rank 141 of 176

Non-interest income vs. expense

$6.4M$36.6MINCOMEEXPENSE
Unfavorable gap of $30.2M · efficiency ratio beats 21% of banks $1B-$10B in assets operating regionally
Bank 69.12%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.71%0.93%1.26%1.54%Beats 13%153 / 176
Return on Equity8.06%9.26%11.89%14.46%Beats 15%150 / 176
Net Interest Margin2.97%3.25%3.59%3.93%Beats 11%156 / 176
Efficiency Ratio69.12%52.79%59.55%67.66%Beats 21%140 / 176
Asset Quality
Nonperforming Loans / Loans1.78%0.30%0.64%1.32%Beats 12%155 / 176
Net Charge-Offs / Loans0.10%0.01%0.04%0.10%Beats 26%132 / 176
Capital
Tier 1 Capital Ratio12.99%11.15%12.72%14.15%Beats 54%81 / 176
Total Risk-Based Capital Ratio14.24%11.81%13.63%15.33%Beats 62%67 / 176
Equity / Assets8.82%9.16%10.35%11.80%Beats 20%141 / 176
Liquidity & Funding
Loans / Deposits106.30%80.94%89.73%97.21%96th pctl7 / 176
Loans / Assets79.19%69.25%75.12%80.82%68th pctl56 / 176
Brokered Deposits / Depositsn/aNot reported for this institution