The Riddell National Bank
Total assets
$384.3M
▲ +9.3% YoY
Deposits
$346.9M
▲ +10.7% YoY
Loans
$290.3M
▲ +7.4% YoY
Offices
6
RNB CORP
ROA (annualized)
1.09%
peers 1.24%
ROE (annualized)
14.56%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +10.7% | +4.0% | +6.8 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
Profile
- Established
- 1885
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- RNB CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1 E National Ave, Brazil, IN, 47834
- County
- Clay
- Metro area
- Terre Haute, IN
- Offices
- 6
- FDIC cert #
- 4318
- RSSD ID
- 319047
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.3M | $346.9M | $290.3M | $29.1M | $2.1M | 1.09% | 3.86% | 0.83% |
| Q1 2026 | $381.0M | $344.6M | $286.5M | $28.3M | $865K | 0.93% | 3.78% | 0.93% |
| Q4 2025 | $365.9M | $327.4M | $282.6M | $27.5M | $3.0M | 0.85% | 3.55% | 1.08% |
| Q3 2025 | $364.6M | $324.8M | $279.3M | $27.0M | $2.3M | 0.87% | 3.47% | 0.97% |
| Q2 2025 | $351.6M | $313.3M | $270.3M | $25.0M | $1.5M | 0.84% | 3.42% | 0.94% |
| Q1 2025 | $357.3M | $320.0M | $267.5M | $24.4M | $549K | 0.62% | 3.22% | 0.95% |
| Q4 2024 | $354.0M | $306.6M | $266.5M | $23.3M | $2.1M | 0.61% | 2.96% | 0.94% |
| Q3 2024 | $339.1M | $290.6M | $260.7M | $24.8M | $1.5M | 0.59% | 2.91% | 0.98% |
Loan mix (Q2 2026): real estate $215.8M · commercial $44.2M · consumer $27.1M · securities $57.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 62.9% | 54th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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