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Advertiser Disclosure
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 First Bank Richmond Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 2, 2026
First Bank Richmond's CD SPECIAL 13-Month rates are at 3.50%. MonitorBankRates evaluates the financial stability of First Bank Richmond with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.85%. Rates were last updated on 04/02/2026. First Bank Richmond money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank Richmond? Share your experience about First Bank Richmond by leaving a review below, or read customer reviews before you decide to use First Bank Richmond. 
First Bank Richmond CD Rates
First Bank Richmond Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Bank Richmond is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Bank Richmond rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Bank Richmond's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Bank Richmond
Bank Holding Company
RICHMOND MUTUAL BCORP INC
Address
20 N 9th St,
Richmond, IN 47374 · Wayne
FDIC Certificate #
28533
Established
01/01/1887
FDIC Insurance Date
08/09/1989
Domestic Offices
14
Total Branches
14
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
8.85%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7877%
Return on Equity (ROE)
10.4600%
Non-Performing Loans (NPL)
0.52%
Total Assets
$1,519,486,000
Total Deposits
$1,119,824,000
Equity Capital
$136,124,000
Net Income
$12,572,000
Headquarters
Richmond
Total Offices
14
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About First Bank RichmondIs First Bank Richmond a safe place to deposit money?Yes, First Bank Richmond is considered a safe financial institution. With a Texas Ratio of 8.8539788823075%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First Bank Richmond operate?First Bank Richmond currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Bank Richmond does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Bank Richmond provides members with tools to manage their accounts and build a solid financial history. Does First Bank Richmond offer online and mobile banking?Most modern institutions like First Bank Richmond provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstbankrichmond.com. Current First Bank Richmond Rates
Retrieved from our database of financial products. Rates subject to change.
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