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Riddell National Bank, The

Brazil, IN · Cert 4318 · RNB Corp.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=573 to 620). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

61

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 2026-10-10

Riddell National Bank, The

Brazil, IN · Cert 4318 · RNB Corp.

National charter · OCC · 6 branches

Q2 2026

$384.3MAssets
$293.8MLoans
$346.9MDeposits
$29.1MEquity
Loan mix
76%RE $215.6M15%C&I $42.0M9%Consumer $25.5MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $279.3M19%Noninterest $67.6MQ2 2025Q2 2026

NIM

4.79%Q2 ’245.23%Q2 ’255.32%Q2 ’26+21%+11%

Non-interest income vs. expense

2.66%Q2 ’242.69%Q2 ’252.64%Q2 ’26-1%+3%

Market Position · Terre Haute, IN · 2026 SOD (annual) · 8.7% share · #4 of 8 inst. · $0.3B of $4.0B

44.7% Clay
4.1% Vigo
0.8% Parke

Executive Summary

  • Earnings: ROA of 1.09%, up 26 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.92% of loans (-8 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 8.49%, up 6 bps from a year ago.
  • Funding: loans stand at 84.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+34 bps YoY

Efficiency Ratio (YTD, annualized)

64.43%-517 bps YoY

Tier 1 Leverage Ratio

8.49%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.87%0.85%0.93%1.09%+26 bps
Return on Equity12.24%12.40%11.93%12.39%14.56%+232 bps
Net Interest Margin3.17%3.18%3.21%3.48%3.51%+34 bps
Efficiency Ratio69.60%69.25%69.40%66.81%64.43%-517 bps
Non-Interest Burden2.00%2.00%2.04%2.13%2.06%+6 bps
Growth
Asset Growth (YoY)5.36%7.50%3.35%6.65%9.31%+396 bps
Loan Growth (YoY)4.80%7.17%6.01%7.10%7.37%+257 bps
Deposit Growth (YoY)10.33%11.77%6.77%7.69%10.71%+38 bps
Asset Quality
Nonperforming Loans / Loans1.00%1.05%1.21%1.05%0.92%-8 bps
Net Charge-Offs / Loans0.15%0.11%0.15%0.08%0.07%-8 bps
Allowance / Loans1.24%1.22%1.21%1.21%1.21%-3 bps
Allowance Coverage of NPLs1.2x1.2x1.0x1.1x1.3x+0.1x
Capital
Tier 1 Leverage Ratio8.42%8.48%8.38%8.40%8.49%+6 bps
Total Risk-Based Capital12.25%12.11%12.15%12.01%12.22%-2 bps
Equity / Assets7.12%7.41%7.52%7.44%7.58%+46 bps
Liquidity & Funding
Loans / Deposits87.34%87.04%87.38%84.16%84.70%-263 bps
Liquid Assets / Assets0.74%1.42%0.18%2.67%2.43%+169 bps
CRE / Total Capitaln/a228%217%199.12%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 2026-10-10

Riddell National Bank, The

Brazil, IN · Cert 4318 · Peer group: banks under $1B in assets (n=573-620) · RNB Corp.

National charter · OCC · 6 branches

Q2 2026

$384.3MAssets
$293.8MLoans
$346.9MDeposits
$29.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 80% of banks under $1B in assets (rank 125 of 620).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 568 of 620).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.07%

Rank 281 of 620

Net Interest Margin

3.51%

Rank 313 of 620

Efficiency Ratio

64.43%

Rank 244 of 620

Equity / Assets

7.58%

Rank 568 of 620

Non-interest income vs. expense

$2.2M$10.2MINCOMEEXPENSE
Unfavorable gap of $7.9M · efficiency ratio beats 61% of banks under $1B in assets
Bank 64.43%Peer median 68.1%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.60%1.00%1.45%Beats 55%281 / 620
Return on Equity14.16%5.30%9.30%13.29%Beats 80%125 / 620
Net Interest Margin3.51%3.02%3.53%4.04%Beats 50%313 / 620
Efficiency Ratio64.43%58.35%68.08%79.37%Beats 61%244 / 620
Asset Quality
Nonperforming Loans / Loans0.92%0.09%0.47%1.27%Beats 33%383 / 573
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 30%405 / 573
Capital
Tier 1 Capital Ratio11.00%11.27%13.87%18.78%Beats 22%483 / 620
Total Risk-Based Capital Ratio12.22%11.69%14.57%19.67%Beats 30%432 / 620
Equity / Assets7.58%9.03%10.60%13.73%Beats 8%568 / 620
Liquidity & Funding
Loans / Deposits84.70%65.08%79.69%92.47%58th pctl245 / 585
Loans / Assets76.45%51.85%67.17%77.86%72nd pctl175 / 620
Brokered Deposits / Depositsn/aNot reported for this institution