Riddell National Bank, The
Brazil, IN · Cert 4318 · Peer group: banks under $1B in assets (n=581-629) · 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 128 of 629).
- Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 576 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.07%
Rank 292 of 629
Net Interest Margin
3.51%
Rank 321 of 629
Efficiency Ratio
64.43%
Rank 253 of 629
Equity / Assets
7.58%
Rank 576 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.60% | 1.01% | 1.45% | Beats 54% | 292 / 629 | | |
| Return on Equity | 14.16% | 5.38% | 9.30% | 13.28% | Beats 80% | 128 / 629 | | |
| Net Interest Margin | 3.51% | 3.03% | 3.54% | 4.05% | Beats 49% | 321 / 629 | | |
| Efficiency Ratio | 64.43% | 58.35% | 67.79% | 79.08% | Beats 60% | 253 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.09% | 0.46% | 1.20% | Beats 32% | 395 / 581 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 31% | 404 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.24% | 13.84% | 18.77% | Beats 23% | 487 / 629 | | |
| Total Risk-Based Capital Ratio | 12.22% | 11.58% | 14.43% | 19.66% | Beats 30% | 438 / 629 | | |
| Equity / Assets | 7.58% | 9.09% | 10.65% | 13.80% | Beats 8% | 576 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.70% | 67.24% | 80.90% | 93.48% | 56th pctl | 259 / 594 | | |
| Loans / Assets | 76.45% | 53.31% | 67.71% | 78.15% | 70th pctl | 186 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |