BlastPoint's Banking Scorecard
First Bank Richmond
Community
Specialty: Commercial
IN
FDIC cert 28533
Richmond, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
First Bank Richmond has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.96% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 36% in Community
- - Liquidity Strain: Bottom 49% in Community
- - Non-Interest-Bearing Deposit Share 11.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+1.3% YoY
-0.1% QoQ
|
+$128.0M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.2B
+1.3% YoY
-0.4% QoQ
|
+$200.6M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.1B
+1.6% YoY
-0.3% QoQ
|
-$44.8M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.83%
+18.8% YoY
+8.1% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.00%
+11.3% YoY
+1.6% QoQ
|
-0.66% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
64.49%
-8.8% YoY
-1.9% QoQ
|
+1.86% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
1.48%
+153.4% YoY
+61.8% QoQ
|
+0.85% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
105.02%
-0.3% YoY
-0.1% QoQ
|
+21.96% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.38%
-12.4% YoY
-8.9% QoQ
|
-11.67% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
1.15%
+152.9% YoY
+61.9% QoQ
|
+0.65% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.38%
+3.1% YoY
+2.1% QoQ
|
+3.14% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.39%
+8.5% YoY
+41.9% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
105.02%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Flatlined Growth
risk
#90 of 245 · Bottom 36% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.83%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#254 of 513 · Bottom 49% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
105.02%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.38%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.02% · Tier avg: 83.06%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Tier 1 Capital Ratio
Current: 13.38% · Tier avg: 10.24%
43
43th pctile
Efficiency Ratio
Current: 64.49% · Tier avg: 62.63%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
18
18th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.66%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.63%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.38% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.38% · Tier avg: 21.05%
16
16th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.50%
18
18th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.66%
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
43
43th pctile
Efficiency Ratio
Current: 64.49% · Tier avg: 62.63%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.38% · Tier avg: 10.24%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.02% · Tier avg: 83.06%