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The Riddell National Bank

$100M-$1B Specialty: Commercial IN FDIC cert 4318

Brazil, IN

6 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +10.7% year over year ($346.9M on the books).
  • Delinquency rate 0.93%.
  • Return on assets 1.09%.
  • Efficiency ratio 64.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.68% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

The Riddell National Bank faces 2 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 0.23% below tier average
  • - Net Interest Margin 0.13% below tier average
Get updates when The Riddell National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $384.3M
+9.3% YoY +0.9% QoQ
-$2.2M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $290.3M
+7.4% YoY +1.3% QoQ
+$31.9M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $346.9M
+10.7% YoY +0.7% QoQ
+$20.2M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.09%
+30.6% YoY +18.0% QoQ
-0.23% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 3.86%
+12.9% YoY +2.2% QoQ
-0.13% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 64.43%
-7.4% YoY -3.6% QoQ
-0.05% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.93%
-8.2% YoY -12.8% QoQ
+0.01% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 83.68%
-3.0% YoY +0.6% QoQ
+5.73% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 19.47%
-7.1% YoY -2.8% QoQ
-2.56% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 0.83%
-11.0% YoY -10.8% QoQ
+0.17% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 11.00%
-0.2% YoY +2.0% QoQ
-4.91% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.29%
-17.0% YoY +107.0% QoQ
-0.28% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 19.5%
-1.5pp YoY
-0.6pp QoQ
 -2.7pp 22.1% 16.8% 22.2% 43%
Brokered Deposits 1.0%
-1.4pp YoY
0.0pp QoQ
 -6.8pp 7.9% 7.2% 8.5% 19%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 15.2%
+3.2pp YoY
+0.6pp QoQ
 +3.7pp 11.6% 11.1% 12.5% 77%
CRE 21.7%
-3.2pp YoY
-0.3pp QoQ
 -17.8pp 39.5% 36.2% 41.4% 21%
1-4 Family 48.9%
-0.5pp YoY
-0.4pp QoQ
 +16.2pp 32.6% 40.0% 31.3% 81%
Consumer 9.3%
-0.5pp YoY
+0.4pp QoQ
 +5.2pp 4.1% 3.2% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 11.0%
0.0pp YoY
+0.2pp QoQ
 -7.8pp 18.8% 17.5% 19.7% 8%
Leverage Ratio 8.5%
+0.1pp YoY
+0.1pp QoQ
 -3.7pp 12.2% 13.0% 12.6% 6%
Total Capital Ratio 12.2%
0.0pp YoY
+0.2pp QoQ
 -7.7pp 19.9% 18.7% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 69
+9 (+15.0%) YoY
+5 (+7.8%) QoQ
 +10 58 237 482 70%
Assets per Employee ($) $5.6M
-4.9% YoY
-6.4% QoQ
 -$1.9M $7.5M $7.5M $8.8M 24%
Branch Count 5
0 YoY
0 QoQ
 0 4 17 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.3%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.2% 0.4% 74%
Nonaccrual 0.6%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 59%
Allowance Coverage 1.31x
+6.2% YoY
+14.8% QoQ
 -22.84x 24.15x 6.71x 20.23x 35%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 14.6%
+2.3pp YoY
+2.2pp QoQ
 +2.4pp 12.2% 11.2% 11.6% 65%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 69%
Net Income ($, YTD) $2.1M
+39.0% YoY
— QoQ
 -$493K $2.6M $16.3M $40.4M 54%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2025
Tier 1 Capital Ratio
capital
Value: 11.00%
Peer Median: 15.91%
#2025 of 2643 Bottom 23.4% in $100M-$1B
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