First Bank Richmond
Richmond, IN
IDRSSD: 419675
Total Assets
$1.52B
Latest filing
Total Deposits
$1.12B
Latest filing
Net Interest Margin
3.10%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Bank Richmond
20 N 9th St
Richmond, IN 47374
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1887FDIC Certificate 41367
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Bank Richmond (Main) | 20 N 9th St | Richmond, IN |
| CAMBRIDGE CITY BRANCH | 200 W Main St | Cambridge City, IN |
| CENTERVILLE BRANCH | 119 E Main St | Centerville, IN |
| EAST SIDE BRANCH | 3403 E Main St | Richmond, IN |
| SHELBYVILLE BRANCH | 1835 Marketplace Blvd | Shelbyville, IN |
| SOUTH A STREET MOTOR BRANCH | 601 S A St | Richmond, IN |
| PIQUA BRANCH | 138 N Sunset Dr | Piqua, OH |
| NORTH SIDE BRANCH | 2499 Chester Blvd | Richmond, IN |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47374 |
| State and County Number | 18177 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Richmond, IN |
Operational Info
| Number of Employees | 176 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.firstbankrichmond.com |
| Data Updated | 11/14/2025 |
| CERT | 28533 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.52B |
| Total Deposits | $1.12B |
| Total Liabilities | $1.39B |
| Total Equity Capital | $130.24M |
| Net Income | $3.65M |
| Net Loans and Leases | $1.18B |
| Assets Per Employee ($Millions) | $8.5M |
| Bank Premises and Fixed Assets | $13.33M |
| Cash and Balances due from Depository Institutions | $31.22M |
| Deposits Held in Domestic Offices | $1.12B |
Key Performance Ratios
| Return on Assets (ROA) | 0.97% |
| Return on Equity (ROE) | 11.52% |
| Net Interest Margin | 3.1% |
| Efficiency Ratio | 62.84% |
| Tier 1 Risk-Based Capital Ratio | 13.112% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.563% |
| Earning Assets to total Assets | 95.51% |
Income and Expense
| Total Interest Income | $21.78M |
| Total Noninterest Income | $1.43M |
| Total Interest Expense | $10.60M |
| Total Noninterest Expense | $7.92M |
| Net Interest Income | $11.17M |
| Pre-tax Net Operating Income | $4.42M |
| Provision for Credit Losses | $268.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $254.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $353.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.68M |
| Total Liabilities and Capital | $1.52B |
Securities
| Securities | $252.43M |
| Available-for-sale debt securities | $249.66M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.77M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank Richmond?
$1.52B as of the latest filing.
How much are First Bank Richmond's total deposits?
$1.12B in total deposits.
Where is First Bank Richmond located?
Richmond, IN.
What is the Net Interest Margin?
3.10%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1887.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$1.18B (latest filing).
What is the total interest income (latest filing)?
$21.78M.