FIRST BANK RICHMOND

RICHMOND, IN | Large | Est. Jan. 1, 1887, midnight | FDIC #28533 | RSSD #419675 | FDIC
Latest Report: 2025-12-31

FIRST BANK RICHMOND is aln large FDIC-insured commercial bank headquartered in RICHMOND, IN, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.1B. Profitability stands at 1.01% ROA and 11.58% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 13.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.10% and a Texas Ratio of 8.66%. FDIC Certificate #28533.

Assets

$1.5B

Deposits

$1.1B

Loans

$1.2B

Equity

$136M

Profitability

Return on Assets (ROA) 1.01%
Return on Equity (ROE) 11.58%
Net Interest Margin (NIM) 3.26%
Yield on Assets 6.25%
Cost of Funds 3.33%

Asset Quality

NPL Ratio 1.10%
Net Charge-Off Ratio 0.14%
Texas Ratio 8.66%
NPA Ratio 0.87%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 13.38%
Tier 1 Capital 13.38%
Total Capital Ratio 14.64%
Leverage Ratio 10.95%
Loan-to-Deposit 106.49%

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