TellerScore

The Riddell National Bank (FDIC certificate #4318) is based in Brazil, Indiana. Its Q2 2026 call report shows $384.3M in total assets and $346.9M in deposits and 6 offices.

Based on its Q2 2026 filing, The Riddell National Bank scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 65th. Its strongest component is problem-loan coverage (80/100; 9.8%), and its lowest is capital cushion (35/100; 8.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.49%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.92%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 83.7% · 19.2% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (56 → 59), mostly because the earnings component improved by 11 points.

TellerScore
525659Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202452
Q4 202452
Q1 202554
Q2 202556
Q3 202557
Q4 202554
Q1 202657
Q2 202659
Tier 1 leverage ratio
5.00%6.76%8.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.45%
Q3 20248.51%
Q4 20248.16%
Q1 20258.16%
Q2 20258.42%
Q3 20258.48%
Q4 20258.38%
Q1 20268.40%
Q2 20268.49%
Noncurrent loans
0.92%1.08%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.02%
Q3 20241.24%
Q4 20241.23%
Q1 20251.05%
Q2 20251.00%
Q3 20251.05%
Q4 20251.21%
Q1 20261.05%
Q2 20260.92%
Return on assets
0.53%0.81%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.59%
Q4 20240.61%
Q1 20250.62%
Q2 20250.84%
Q3 20250.87%
Q4 20250.85%
Q1 20260.93%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$384.3M8.49%0.92%1.09%83.7%
Q1 202657$381.0M8.40%1.05%0.93%83.1%
Q4 202554$365.9M8.38%1.21%0.85%86.3%
Q3 202557$364.6M8.48%1.05%0.87%86.0%
Q2 202556$351.6M8.42%1.00%0.84%86.3%
Q1 202554$357.3M8.16%1.05%0.62%83.6%
Q4 202452$354.0M8.16%1.23%0.61%86.9%
Q3 202452$339.1M8.51%1.24%0.59%89.7%
Q2 202453$333.7M8.45%1.02%0.53%90.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.49%
6th
Total risk-based capital12.22%
53rd
Problem loans0.92%
30th
Net charge-offs0.07%
25th
Return on assets1.09%
40th
Net interest margin3.86%
46th
Efficiency ratio64.4%
44th
Loans to deposits83.7%
41st
Uninsured deposits19.2%
67th
Loan-loss reserves1.21%
51st
Texas ratio9.8%
18th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
American Community Bank of IndianaBank Saint John, IN43 out of 100, Below average$383.0M9.8%2.33%vs
Owen County State BankBank Spencer, IN59 out of 100, Moderate$388.5M8.6%0.62%vs
Grant County State BankBank Swayzee, IN61 out of 100, Moderate$395.7M11.7%2.35%vs
The Garrett State BankBank Garrett, IN69 out of 100, Moderate$399.7M10.5%0.85%vs
Hoosier Heartland State BankBank Crawfordsville, IN63 out of 100, Moderate$356.3M8.7%0.63%vs
The Campbell & Fetter BankBank Kendallville, IN71 out of 100, Strong$355.0M10.0%0.00%vs

Deposit insurance

Is my money safe at The Riddell National Bank?

Yes. The Riddell National Bank is an FDIC-insured institution (FDIC certificate #4318). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.2% of deposits ($66.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.22% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The Riddell National Bank lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Riddell National Bank reported 284 home-loan applications under HMDA (LEI 2549005LG69OCBT9WE71): 266 originated ($41,770,000 total), 11 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Riddell National Bank
Former names
The Riddell National Bank of Brazil, Indiana
Type
National bank
FDIC certificate #
4318
RSSD ID
319047
Primary regulator
OCC
Holding company
Rnb Corp
Established
June 15, 1885
Headquarters
1 E National Ave, Brazil, IN 47834
Employees
69

Quick answers

The Riddell National Bank: common questions

Is The Riddell National Bank FDIC insured?

Yes. The Riddell National Bank is an FDIC-insured institution (FDIC certificate #4318). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Riddell National Bank's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Riddell National Bank ever failed?

There is no failure record for FDIC certificate #4318 in the FDIC failed bank list.

How many branches does The Riddell National Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brazil

InstitutionScoreAssetsCapitalProblem loansCompare
CentreBankBank Veedersburg, IN90 out of 100, Very strong$120.0M17.2%0.33%vs
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Western Indiana Credit UnionCredit union Sullivan, IN80 out of 100, Strong$48.7M12.6%0.15%vs
The Peoples State BankBank Ellettsville, IN78 out of 100, Strong$506.6M10.5%0.19%vs
T H P Federal Credit UnionCredit union Terre Haute, IN74 out of 100, Strong$4.0M24.0%0.12%vs