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
Unfavorable gap of $7.9M · efficiency ratio beats 61% 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% | 1.00% | 1.45% | Beats 55% | 281 / 620 | | |
| Return on Equity | 14.16% | 5.30% | 9.30% | 13.29% | Beats 80% | 125 / 620 | | |
| Net Interest Margin | 3.51% | 3.02% | 3.53% | 4.04% | Beats 50% | 313 / 620 | | |
| Efficiency Ratio | 64.43% | 58.35% | 68.08% | 79.37% | Beats 61% | 244 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.09% | 0.47% | 1.27% | Beats 33% | 383 / 573 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 30% | 405 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.27% | 13.87% | 18.78% | Beats 22% | 483 / 620 | | |
| Total Risk-Based Capital Ratio | 12.22% | 11.69% | 14.57% | 19.67% | Beats 30% | 432 / 620 | | |
| Equity / Assets | 7.58% | 9.03% | 10.60% | 13.73% | Beats 8% | 568 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.70% | 65.08% | 79.69% | 92.47% | 58th pctl | 245 / 585 | | |
| Loans / Assets | 76.45% | 51.85% | 67.17% | 77.86% | 72nd pctl | 175 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |