First Bank Richmond (FDIC #28533): Bank Stress & Real-Estate Credit Exposure
First Bank Richmond (FDIC Cert #28533): bank stress 80/100, severe, STABLE over 7 days; parent RICHMOND MUTUAL BCORP INC.
First Bank Richmond (#28533) lends in 5 counties across 2 states; First Bank Richmond (#28533) reaches 120 ZIP codes: Ohio 3 counties, 84 ZIPs; Indiana 2 counties, 36 ZIPs.
First Bank Richmond (#28533) largest markets: Franklin County, OH (50 branches, 50 ZIPs) (#28533), Wayne County, IN (133 branches, 19 ZIPs) (#28533), Miami County, OH (54 branches, 18 ZIPs) (#28533), Shelby County, OH (36 branches, 18 ZIPs) (#28533), Shelby County, IN (17 branches, 17 ZIPs) (#28533).
First Bank Richmond (#28533) reports $1.55 billion in total assets; First Bank Richmond (#28533) equity $136.4 million (8.8% of First Bank Richmond (#28533) assets); First Bank Richmond (#28533) domestic deposits $1.15 billion; First Bank Richmond (#28533) net income $5.5 million; First Bank Richmond (#28533) return on assets 0.72%; First Bank Richmond (#28533) return on equity 8.11%; First Bank Richmond (#28533) net interest income $23.3 million; First Bank Richmond (#28533) call report June 30, 2026.
First Bank Richmond (#28533) noncurrent real-estate loans: none reported; First Bank Richmond (#28533) net charge-offs on real estate 2.31%; First Bank Richmond (#28533) multifamily charge-offs 2.82%; First Bank Richmond (#28533) residential charge-offs 2.04%.
First Bank Richmond (#28533) net interest margin 3.19% against an eight-quarter First Bank Richmond (#28533) average of 2.92% (First Bank Richmond (#28533) compression -0.27 points); First Bank Richmond (#28533) non-residential real estate 203.9% of equity; First Bank Richmond (#28533) rate-exposure score 40/100, First Bank Richmond (#28533) fixed-rate trap 40/100; First Bank Richmond (#28533) risk type credit driven; First Bank Richmond (#28533) rate regime rates elevated, First Bank Richmond (#28533) snapshot October 19, 2026.
First Bank Richmond (#28533) stress score moved from 77.6 on June 22, 2026 to 80.3 on October 19, 2026; First Bank Richmond (#28533) ranged 77.6 to 80.3 over 116 snapshots.
First Bank Richmond (#28533) alerts: 5 counties; top First Bank Richmond (#28533) alert scores: Columbus County, IN 26 (low); Richmond County, IN 26 (low); Shelbyville County, IN 26 (low); Sidney County, IN 26 (low); Troy County, IN 26 (low).