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
Unfavorable gap of $30.2M · efficiency ratio beats 21% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.93% | 1.26% | 1.54% | Beats 13% | 153 / 176 | | |
| Return on Equity | 8.06% | 9.26% | 11.89% | 14.46% | Beats 15% | 150 / 176 | | |
| Net Interest Margin | 2.97% | 3.25% | 3.59% | 3.93% | Beats 11% | 156 / 176 | | |
| Efficiency Ratio | 69.12% | 52.79% | 59.55% | 67.66% | Beats 21% | 140 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.78% | 0.30% | 0.64% | 1.32% | Beats 12% | 155 / 176 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 26% | 132 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 11.15% | 12.72% | 14.15% | Beats 54% | 81 / 176 | | |
| Total Risk-Based Capital Ratio | 14.24% | 11.81% | 13.63% | 15.33% | Beats 62% | 67 / 176 | | |
| Equity / Assets | 8.82% | 9.16% | 10.35% | 11.80% | Beats 20% | 141 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.30% | 80.94% | 89.73% | 97.21% | 96th pctl | 7 / 176 | | |
| Loans / Assets | 79.19% | 69.25% | 75.12% | 80.82% | 68th pctl | 56 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |