The Riddell National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Riddell National Bank is a locally rooted FDIC-insured community bank based in Brazil, IN. Returns are notably above industry norms: 1.24% ROA, 16.67% ROE, and 3.91% NIM. The Riddell National's Q2 2026 balance sheet shows $384M in assets funded primarily by $347M in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 11.00% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.77% nonperforming loans and a 11.18% Texas Ratio. It operates 6 branches, primarily in Indiana.
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 0.77%, a Texas ratio of 11.18%, per financial data filed with the FFIEC.
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)
- Offices
- 6 domestic
- Employees (FTE)
- 69
- Domestic deposits
- $346.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $97K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.24% | 0.77% | 11.18% | 3.91% |
| Q1 2026 | 10.79% | 0.92% | 0.91% | 12.67% | 3.76% |
| Q4 2025 | 10.94% | 0.77% | 0.82% | 14.31% | 3.71% |
| Q3 2025 | 10.91% | 0.92% | 0.83% | 13.16% | 3.57% |
| Q2 2025 | 11.02% | 1.05% | 0.92% | 13.48% | 3.58% |
| Q1 2025 | 10.76% | 0.61% | 0.84% | 14.25% | 3.21% |
| Q4 2024 | 10.68% | 0.67% | 1.19% | 14.56% | 3.09% |
| Q3 2024 | 11.05% | 0.69% | 0.94% | 13.90% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| 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
What the public regulatory sources show for The Riddell National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 67 of 131 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Riddell National Bank headquartered?
The Riddell National Bank is headquartered in Brazil, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Riddell National Bank founded?
The Riddell National Bank was established in 1885, per the FDIC institution directory.
Is The Riddell National Bank FDIC-insured?
Yes. The Riddell National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Riddell National Bank's CET1 capital ratio?
The Riddell National Bank 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?
The Riddell National Bank operates 6 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?
The Riddell National Bank's Texas Ratio is 11.18% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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