# RIDDELL NATIONAL BANK
BRAZIL, IN · FDIC certificate 4318 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $384.3M | |
| Deposits | $346.9M | |
| Loans and leases | $293.8M | |
| Total equity | $29.1M | |
| Loans / deposits | 83.68% (p55 of band) | 82.04% |
| Liquid assets / assets | 18.66% (p28 of band) | |
| Uninsured deposits / deposits | 19.21% (p26 of band) | 25.97% |
| Brokered deposits | 0.91% | |
| Wholesale funding | 2.21% (p43 of band) | |
| FHLB advances / assets | 1.30% | |
| Tier 1 leverage | 8.49% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | -14.27% (p33 of band) | -8.10% |
| AOCI / equity | -0.91% (p25 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.28% |
| Net interest margin | 3.86% (p47 of band) | 3.91% |
| Efficiency ratio | 64.43% (p59 of band) | |
| Noncurrent loans | 0.92% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p76 of band) | |
| Reserve coverage of noncurrent | 131.44% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 50.06% (p56 of band) | |
| Auto loans | $18.8M (6.39% of loans; DQ 0.61%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 69 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 |  | assets shrinking |
| 2013-09 | 3 |  |  |
| 2013-12 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 1 |  | charge-offs p90 |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 3 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2015-09 | 3 | charge-offs p90 | deposits shrinking |
| 2015-12 | 3 | deposits shrinking | charge-offs p90 |
| 2016-03 | 2 |  | deposits shrinking |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | capital falling, charge-offs p90 |  |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | capital falling, charge-offs p90 |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | uninsured deposits leaving |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 1 |  | uninsured deposits leaving |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | securities losses >30% of equity | capital falling |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 | charge-offs p90 | capital falling |
| 2024-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [Riddell National Bank makes new scoreboard reality for Parke Heritage - giant.fm](https://news.google.com/rss/articles/CBMivAFBVV95cUxNdnJpa1ZGV1FXMXpNdnVONXplVjR2WkNCNFl2QUxEcTlnRjkyVE9jNUpWdl9jZGJTa2RVOUY2RlZaV3U4Z3BiMVlTc3Nwdlg4alhqUGZ5R1pOR2J6a0VPdEQ4Y2FPUmlacExyRDV0ejNvNUNidF8zX3F5aTNmaUpkYjJmZkRWOGNKY3lCcU9QRFpQNVBWWUIwRlB1UjNDalAtbzM5MXZISDBnNTQ0UWV1Y3NXZDlMNXdpTHQtWg?oc=5) · giant.fm
- 2025-07-08 [Riddell National Bank to reopen in Rockville - MyWabashValley.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxObVR2WG5DVEgxRVlUVlUzM2JfOXRTaFVoTkx2bTFfZm90bTVmNnVydlR6WnZkY3oycHRXTnhTaW11Q2h0QUQtWWIxb0gyZ1VqT0tYakdZa1BHc3hYS3BvbDh5NHpPQVhTNVVjWGVMVmZfa3VoTk1MektFN3p3eUNnQjA1RUk1cWp0Qzk5SzZFX2ExU2FZcWI40gGcAUFVX3lxTFBBUzdPNFBUUU5acnhYN2JWckhiMlJ6bkNrdUVRdUpGYV9ZUHVnR1AyYzJRN1NCckpNLTI1U3NNWFRkOHN2MGhMUFZYbzZnMV9oRFR4Uk55QmQ5U3pDV19raG12d0M1NmRnUWR4VWdoSTYwZnk0Njh6akZ4blFBcm5GYU1tWUhSbVN2TWdpQmpjTWdDSGk1aEZTZlZYbQ?oc=5) · MyWabashValley.com
- 2025-07-09 [Riddell National Bank to open Rockville branch - Vincennes Sun-Commercial](https://news.google.com/rss/articles/CBMingFBVV95cUxNcHVwaHBGd2FRQzZBcTlIMlp2YjZ6cVd4N0NKWkwxdFQ4azl1Wmx6dUlRYml5b1VMSFdNaXY3VFQ5UzFWNjB3M040dkNJaVN4NUNZSDh6SW1sMlhHWVZ3VGkzMTFpRXJpXzNwRU9ZZjFmMklsS3BsR2V1NjYyS3gwUXBYTWxpSmx4UjVyLVh1elNWOExPOWhMY3U4SDdEUQ?oc=5) · Vincennes Sun-Commercial
- 2019-08-29 [Riddell National opens new branch on South U.S. 41 - Terre Haute Tribune-Star](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNakxUMEhvY0xlZEswd2VySXhNcmtDNDM1cy00UWF1aGx5TGNxVFRPb1hEb1hKQmV6WFVKaUdRblIzUHY5ZXRsQy1RVkZySUlkUm5aaDRtTnBwZERWbXlQZGt3X1k0WUFKMDhRWUtQazE3LXJWUU9TZEo3RHZISmdESE12YkVuTE4xSUZRQUg0SmhBLVZzcDZyOXI0YU1qMnBQbDdjTVZEUUk3eXlqdndtWlIxdzVfeF82UjVZcVVrdVRYQ2xld3pWd0pKRExyT1FXY0xmVksxMA?oc=5) · Terre Haute Tribune-Star
- 2026-05-10 [Daniel G England Sr Obituary - DeBaun Funeral Homes and Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTE1FSFpiX0RrSnl4dk9COXM5OXZ0S1lQXzhycXUwVnh1bjdlOEM0RnNIaFgyMWtMWDdCay1qVFFWQVQyNGhIUk1oTkpkR0JqNy1FSHBLNFZmZ2lYN3VOck02bG5mXzRTTTlvLUpxVkwyMzM?oc=5) · DeBaun Funeral Homes and Crematory
- 2024-11-10 [Scott Whitson Obituary - Kansas City, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPZzJ5RFRXcm41d3FvR1JWRnMzSXNHYWNxcHdmMEI5dHQ4cWhydGJRZlVsQmNYbjdJTzhNbGtiVU4zMEJBN1NIYTRjMGYzdzFRbDhPRGZER2ZkX2dNZVRkMzh2bThCa2h4ZkdPTWZPMlFvejhtaVlQVHdYaVFTclZ2dFcyUS05VHM?oc=5) · Dignity Memorial
- 2024-03-15 [Phyllis June Rigby Obituary (2024) - Yucaipa, CA - Emmerson-Bartlett Memorial Chapel - Redlands - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQT0hRZGhWSFZSVjR3UmZRSmNCc3E3YWhFc3cwTjV0OW5BQmdCeUZLV0dCckJ6cklKeWQxenFUSUJySGFoa05YVmUtQ3hlLVB3VTkwU291ZGM5c1BRRUktcXlQZjlRd2lTYmxaMXBTY2dMLXIzOEozOWpid1Bic1d3M2Jn?oc=5) · legacy.com
- 2024-11-02 [PUBLIC RECORDS - COURTHOUSE | Brazil Times - Vincennes Sun-Commercial](https://news.google.com/rss/articles/CBMilwFBVV95cUxQbnFBWUlVVE1HZWM4RzE5ME9sYWF6Wjhkc2kwbWZnbFo4SWd2cUdCSHBBcmd2T0J2Um82d1dUam9RLVdPajRRUEJ1UldjeEMtTnlqV3JiRi1HRjdNME1rTThkZk5Ed0RYMGZXYU5heWVsYU1OWWxXV25TYTNUQUx5djNELVlGTHROdUJKbW1kaTBtRVJEcWhr?oc=5) · Vincennes Sun-Commercial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4318 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "4318", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide