BanksFIRST BANK RICHMOND

FIRST BANK RICHMOND

RICHMOND, INLargeEst. Jan. 1, 1887, midnightFDIC #28533RSSD #419675FDIC
Latest · 2025-12-31

FIRST BANK RICHMOND is an 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%. CET1 capital ratio: 13.38%, well above regulatory minimums. NPL ratio: 1.10% · Texas Ratio: 8.66%. Operates 13 domestic branches.

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 Margin3.26%
Yield on Assets6.25%
Cost of Funds3.05%

Asset Quality

NPL Ratio1.10%
Net Charge-Off Ratio0.14%
Texas Ratio8.66%
NPA Ratio0.87%
ACL / Loans1.38%

Capital & Liquidity

CET1 Ratio13.38%
Tier 1 Capital13.38%
Total Capital Ratio14.64%
Leverage Ratio10.95%
Loan-to-Deposit106.49%

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