FDIC Cert #4318 · Brazil, Indiana · Est. 1885

The Riddell National Bank - FDIC Bank Health Profile

A community-scale look at The Riddell National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$366M
Total assets
B
Health grade · Good
0.85%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

The Riddell National Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.94% Tier 1, 0.85% ROA, 69% efficiency ratio.

#2,214
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
10.94%
Tier 1 ratio - above the 10% well-capitalized line
32nd
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 4318 · IN B · 66/100

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

  • GRADE-B B (66/100)
  • LOWER-Q #3425/4307
  • PHOTO-FINISH Shamrock Bank, N.A. · OK
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 11.2% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Shamrock Bank, N.A., OK (±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 The Riddell National Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Pryority Bank · OK · n…66/100Regent Bank · OK · near66/100Shamrock Bank, N.A. · OK · n…66/100The Farmers and Merc… · OK ·…66/100The Riddell National… · IN ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Riddell National Bank · July 2026

What The Riddell National Bank's Call Report plate shows

The Riddell National Bank (FDIC Cert #4318) carries a PlainBankData health grade of B at 66/100, 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 #3,425 of 4,307. Tier 1 capital prints at 10.94%, clearing the 10% well-capitalized line. The Texas Ratio is 11.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $366M, 2,214th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Shamrock Bank, N.A. (OK), 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 The Riddell National Bank

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

The Riddell National Bank'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; The Riddell National Bank 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 The Riddell National Bank's 66/100 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 avg77/10066/100
The Riddell National Bank's composite health score
Tier 1 Capital Ratio (10.94%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (11.16%) 16/20
Efficiency Ratio (69.40%) 8/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$366M

Total balance-sheet footings

Total Deposits

$327M

Customer-funded liabilities

Net Loans

$283M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.54% 10.94% 12.34%
Basel III capital ratios - The Riddell National Bank

Where The Riddell National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Riddell National Bank's score of 66/100 falls in the highlighted band.

The Riddell National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Riddell National Bank 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

The Riddell National Bank'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). The Riddell National Bank's $366M falls in the highlighted band.

Safety ratios for The Riddell National Bank

Tier 1 capital ratio
Well-capitalized 10%

10.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.94%
Texas Ratio
11.16%
Equity Capital
$28M

What these ratios mean →

Profitability metrics: The Riddell National Bank

Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
11.93%
Efficiency Ratio
69.40%

What these mean →

Income & expense at The Riddell National Bank

$19M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Riddell National Bank reports a Texas Ratio of 11.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Riddell National Bank 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 ($366M here), outside Indiana so the neighborhood is not state containment.

First National Bank of Griffin $366M · GA The North Country Savings Bank $366M · NY The Farmers Bank of Appomattox $366M · VA Rabun County Bank $366M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Riddell National Bank (FDIC Cert #4318) - 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.

The Riddell National Bank 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%