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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 28533 · IN B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2730/4307
  • PHOTO-FINISH North Shore Bank · WI
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 11.4% Texas
  • ROA-PAR 0.83% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: North Shore Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank Richmond

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Armor Bank · AR · near73/100First Bank Richmond · IN · t…73/100First Federal Saving… · ID ·…73/100Middlesex Federal Sa… · MA ·…73/100North Shore Bank · WI · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank Richmond · July 2026

What First Bank Richmond's Call Report plate shows

First Bank Richmond (FDIC Cert #28533) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,730 of 4,307. Tier 1 capital prints at 13.38%, clearing the 10% well-capitalized line. The Texas Ratio is 11.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.83%. Balance-sheet scale is $1.5B, 743rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is North Shore Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank Richmond

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

First Bank Richmond's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Bank Richmond remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

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.

0/100100/100National avg77/10073/100
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 Assets

$1.5B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.98% 13.38% 14.78%
Basel III capital ratios - First Bank Richmond

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Bank Richmond 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for First Bank Richmond

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

What these ratios mean →

Profitability metrics: First Bank Richmond

Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
9.97%
Efficiency Ratio
64.49%

What these mean →

Income & expense at First Bank Richmond

$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.

FDIC Failed Bank List → View First Bank Richmond on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.5B here), outside Indiana so the neighborhood is not state containment.

BOM Bank $1.5B · LA Signature Bank of Arkansas $1.5B · AR Sterling Bank $1.5B · MO American State Bank $1.5B · IA

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.

First Bank Richmond Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
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%