The Riddell National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Riddell National Bank is an FDIC-insured commercial bank headquartered in Brazil, IN, established in 1885 (FDIC certificate 4318), and it is supervised by the OCC. At Q2 2026 it reported total assets of $384.3M, up 9.3% from Q2 2025, the 53rd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 11.00% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4318
- Headquarters
- Brazil, IN
- Established
- 1885
- Total assets, Q2 2026
- $384.3M
- Assets vs Q2 2025
- +9.3%
- CET1 ratio, Q2 2026
- 11.00%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 074902228
- Latest call report
- Q2 2026, FFIEC 051 · The Riddell National Bank call report
- Holding company
- RNB CORP.
- Asset rank in state
- 53rd of 87 in Indiana
The Riddell National Bank operates with a thinner capital cushion than most banks of its size. It reported $384 million in assets at June 30, 2026, up 9.3% from a year earlier. It holds common equity equal to 11.00% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew deposits 10.7% over the year, 2.6 times the median of 4.0% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $1.2 million. Over the same year, loans grew 7.4% and deposits grew 10.7%. Credit is the area to watch: it carries problem assets equal to 9.8% of the capital and reserves that would absorb them, 3.7 times the median of 2.6% for banks its size.
As of June 30, 2026, The Riddell National Bank reported a CET1 capital ratio of 11.00%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 9.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Riddell National Bank is the 53rd largest of the 87 banks headquartered in Indiana. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $384.3M, loans rose 1.3% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 48.3% of total loans, followed by commercial and industrial loans at 15.1%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in IN; its Brazil 2 offices book 59% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Riddell National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 E National Ave, Brazil, IN 47834
- County
- Clay
- Metro Area
- Terre Haute, IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 15, 1885
- Former names
- The Riddell National Bank (1986)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $346.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $97K
- Average total assets
- $385.2M
- Average total loans
- $289.0M
- Average interest-bearing deposits
- $276.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4318
- Fed RSSD
- 319047
- Website
- http://www.riddellonline.com →
- Parent Holding Company
- RNB CORP. (RSSD 1141478)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Riddell National Bank's total assets ran between $312.1M (Q3 2023) and $384.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$384.3M total assets against $351.6M; $355.2M total liabilities against $326.6M.
$290.3M net loans and leases against $270.3M; $346.9M total deposits against $313.3M.
$57.8M securities against $54.9M; $13.9M cash and balances due against $6.6M.
$5.2M total interest income against $4.8M; $1.8M total interest expense against $1.8M.
$3.5M net interest income against $3.0M.
$582K total noninterest income against $637K; $2.5M total noninterest expense against $2.4M.
$85K provision for credit losses against $38K.
$1.2M net income against $934K.
1.24% return on assets against 1.05%; 3.91% net interest margin against 3.58%.
11.00% CET1 capital ratio against 11.02%; 8.49% tier 1 leverage ratio against 8.42%.
Inside the full The Riddell National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Riddell National Bank rankings
Its closest position to the top of a national ranking is 658 of 3,640, for Texas Ratio; its furthest is 1,955 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.61% (Q1 2025) to 1.24% (Q2 2026) and its net interest margin ran from 2.95% (Q3 2024) to 3.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.24% | 0.92% | 9.82% | 3.91% |
| Q1 2026 | 10.79% | 0.92% | 1.05% | 11.19% | 3.76% |
| Q4 2025 | 10.94% | 0.77% | 1.21% | 12.80% | 3.71% |
| Q3 2025 | 10.91% | 0.92% | 1.05% | 11.59% | 3.57% |
| Q2 2025 | 11.02% | 1.05% | 1.00% | 11.60% | 3.58% |
| Q1 2025 | 10.76% | 0.61% | 1.05% | 12.32% | 3.21% |
| Q4 2024 | 10.68% | 0.67% | 1.23% | 12.52% | 3.09% |
| Q3 2024 | 11.05% | 0.69% | 1.24% | 11.91% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Riddell National Bank | Brazil , IN | 47834 | $183.1M |
| Sycamore Terrace Branch | Terre Haute , IN | 47803 | $84.0M |
| Us 41 South Branch | Terre Haute , IN | 47802 | $30.4M |
| Center Point Branch | Center Point , IN | 47840 | $26.6M |
| East National Avenue Drive-In Branch | Brazil , IN | 47834 | $20.7M |
| Rockville Branch | Rockville , IN | 47872 | $2.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1970 | Structure Change | Acquired The First National Bank of Center Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 67 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 284 applications, 266 loans originated, $41.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $818K approved, $273K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Riddell National Bank
What are The Riddell National Bank's total assets?
As of the Q2 2026 filing, The Riddell National Bank reported total assets of $384.3 million in its FFIEC call report.
Where is The Riddell National Bank headquartered?
It is headquartered in Brazil, IN, United States.
When was The Riddell National Bank founded?
It was established in 1885, per the FDIC institution directory.
Is The Riddell National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4318). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Riddell National Bank?
The Riddell National Bank's primary federal regulator is the OCC.
What is The Riddell National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.00% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Riddell National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Riddell National Bank's Texas Ratio?
Its Texas Ratio is 9.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Riddell National Bank previously called?
The charter now named The Riddell National Bank has also operated as The Riddell National Bank (1986), per FDIC structure-change records.
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