BlastPoint's Banking Scorecard
First Bank Richmond
Designations: ✓ Community bank
Richmond, IN
14 branches across IN · OH
First Bank Richmond faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 15.3% in tier
- - Liquidity Strain: Bottom 44.3% in tier
- - ROA 0.60% below tier average
- - Net Interest Margin 0.69% below tier average
- - Efficiency Ratio 5.85% above tier average
- - Delinquency Rate 0.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-0.3% YoY
-0.4% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$1.2B
-0.2% YoY
-0.1% QoQ
|
-$790.5M |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$1.1B
+0.1% YoY
-0.7% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.77%
+31.5% YoY
-7.4% QoQ
|
-0.60% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.13%
+11.2% YoY
+4.1% QoQ
|
-0.69% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
66.91%
-4.7% YoY
+3.8% QoQ
|
+5.85% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
1.50%
+152.5% YoY
+1.4% QoQ
|
+0.61% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
105.63%
-0.3% YoY
+0.6% QoQ
|
+21.43% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.42%
-3.2% YoY
+0.5% QoQ
|
-11.87% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.5% in tier |
| Nonperforming Asset Ratio ? |
1.17%
+152.1% YoY
+1.7% QoQ
|
+0.49% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.37%
+4.5% YoY
-0.1% QoQ
|
-1.79% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.10%
+14.0% YoY
-74.7% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
32% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.