Riddell National Bank, The
Brazil, IN · Cert 4318 · Peer group: banks under $1B in assets (n=570-617) · 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 617).
- Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 565 of 617).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.07%
Rank 287 of 617
Net Interest Margin
3.51%
Rank 319 of 617
Efficiency Ratio
64.43%
Rank 250 of 617
Equity / Assets
7.58%
Rank 565 of 617
Non-interest income vs. expense
Unfavorable gap of $7.9M · efficiency ratio beats 60% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.60% | 1.01% | 1.45% | Beats 53% | 287 / 617 | |
| Return on Equity | 14.16% | 5.30% | 9.43% | 13.30% | Beats 80% | 125 / 617 | |
| Net Interest Margin | 3.51% | 3.04% | 3.54% | 4.05% | Beats 48% | 319 / 617 | |
| Efficiency Ratio | 64.43% | 58.03% | 67.76% | 79.08% | Beats 60% | 250 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.09% | 0.47% | 1.27% | Beats 33% | 385 / 570 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 29% | 407 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.18% | 13.83% | 18.55% | Beats 23% | 477 / 617 | |
| Total Risk-Based Capital Ratio | 12.22% | 11.56% | 14.39% | 19.39% | Beats 31% | 425 / 617 | |
| Equity / Assets | 7.58% | 9.03% | 10.55% | 13.63% | Beats 8% | 565 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 84.70% | 64.77% | 79.70% | 93.06% | 58th pctl | 245 / 582 | |
| Loans / Assets | 76.45% | 51.70% | 67.18% | 77.51% | 72nd pctl | 171 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |