Bank · FDIC insured
First Bank Richmond
A $1.5B bank headquartered in Frankfort, IN, with 26 branches in 2 states. Best rates: CDs 3.25% and savings 0.25% APY.
First Bank Richmond Carrot Score
65
Carrot Score
Higher than 15% of U.S. banks and credit unions
#35 of 43 in Indianapolis, IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Bank Richmond
First Bank Richmond is based in Richmond, Indiana, and has been serving its community since 1887.
- Headquarters
- 9 E Clinton St, Frankfort, IN 46041
- FDIC certificate
- 28533 ↗
Branches
26 branches in 2 states
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Indiana
20 branches
Richmond area · 7
- Cambridge City Branch200 W Main St, Cambridge City, IN 47327Directions
- Centerville Branch119 E Main St, Centerville, IN 47330Directions
- East Side Branch3403 E Main St, Richmond, IN 47374Directions
- North Side Branch2499 Chester Blvd, Richmond, IN 47374Directions
- South A Street Motor Branch601 S A St, Richmond, IN 47374Directions
- The Farmers Bank Branch20 N 9th St, Richmond, IN 47374Directions
- Westside Branch2929 National Rd W, Richmond, IN 47374Directions
Indianapolis area · 7
- Fishers Branch7126 E 116th St, Fishers, IN 46038Directions
- Lebanon Branch2304 N Lebanon St, Lebanon, IN 46052Directions
- Noblesville Office Branch16940 Clover Rd, Noblesville, IN 46060Directions
- Shelbyville Branch1835 Marketplace Blvd, Shelbyville, IN 46176Directions
- Sheridan Branch987 S White Ave, Sheridan, IN 46069Directions
- Tipton Financial Center Branch110 E Jefferson St, Tipton, IN 46072Directions
- Westfield Branch17370 Farmers Bank Way, Westfield, IN 46074Directions
Frankfort area · 6
- First Bank MidwestMain office9 E Clinton St, Frankfort, IN 46041Directions
- Wesley Manor Branch1555 N Main St, Frankfort, IN 46041Directions
- Kirklin Branch110 North Main Street, Kirklin, IN 46050Directions
- Michigantown Branch219 Main St, Michigantown, IN 46057Directions
- Mulberry Branch145 E Jackson St, Mulberry, IN 46058Directions
- Rossville Branch5450 W State Road 26, Rossville, IN 46065Directions
Ohio
6 branches
Dayton area · 3
- Piqua Branch138 N Sunset Dr, Piqua, OH 45356Directions
- Piqua Downtown126 W High St, Piqua, OH 45356Directions
- Troy Branch1867 W Main St, Troy, OH 45373Directions
Sidney area · 2
- Sidney Branch2601 Michigan St, Sidney, OH 45365Directions
- Sidney Branch121 S Ohio Ave, Sidney, OH 45365Directions
Columbus area · 1
- Columbus Branch861 Yard St, Columbus, OH 43212Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.90% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.78% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.72% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $106 | $88 | — |
- CapitalLeverage ratio10.90%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.78%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.72%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$106Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Bank Richmond are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.