Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #28533 · Richmond, Indiana · Est. 1887
First Bank Richmond - FDIC Bank Health Profile
A community-scale look at First Bank Richmond's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- B
- Health grade · Good
- 0.83%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank Richmond earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.38% Tier 1, 0.83% ROA, 64% efficiency ratio.
- #743
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 13.38%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Bank Richmond's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank Richmond's composite health score
Tier 1 Capital Ratio (13.38%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (11.40%) 16/20
Efficiency Ratio (64.49%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$1.2B
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank Richmond ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank Richmond's score of 73/100 falls in the highlighted band.
First Bank Richmond's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank Richmond's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.38%
Texas Ratio
11.40%
Equity Capital
$136M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
9.97%
Efficiency Ratio
64.49%
What the numbers say about First Bank Richmond
First Bank Richmond is an FDIC-insured institution (Certificate #28533) headquartered in Richmond, Indiana, established in 1887. It holds $1.5B in total assets - 743rd of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $1.2B in net loans. On safety, its Tier 1 capital ratio of 13.38% is above the 10% well-capitalized threshold, and its Texas Ratio of 11.40% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Indiana, First Bank Richmond ranks 16th of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$86M
Interest Income
$6M
Non-Interest Income
$32M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank Richmond reports a Texas Ratio of 11.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank Richmond (FDIC Cert #28533) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is First Bank Richmond's health grade?▼
First Bank Richmond receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Bank Richmond?▼
First Bank Richmond holds $1.5B in total assets and $1.1B in deposits, ranking 743rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Richmond, Indiana.
Is my money safe at First Bank Richmond?▼
Yes, deposits at First Bank Richmond (Certificate #28533) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank Richmond's Tier 1 Capital Ratio?▼
First Bank Richmond has a Tier 1 Capital Ratio of 13.38%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Bank Richmond?▼
First Bank Richmond has a Texas Ratio of 11.40%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank Richmond?▼
First Bank Richmond has an Efficiency Ratio of 64.49%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank Richmond's profile as a depositor or analyst.
- First Bank Richmond's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank Richmond against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.