Richton Bank & Trust Company
Richton, MS · Cert 11817 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Centon Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$52.0MAssets
$21.2MLoans
$43.1MDeposits
$8.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: return on equity trails 86% of banks under $1B in assets operating in a single state (rank 640 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.63%
Rank 593 of 746
Net Interest Margin
3.70%
Rank 363 of 746
Efficiency Ratio
81.75%
Rank 637 of 746
Equity / Assets
15.62%
Rank 85 of 746
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.72% | 1.06% | 1.45% | Beats 21% | 593 / 746 | |
| Return on Equity | 4.02% | 6.74% | 10.51% | 13.63% | Beats 14% | 640 / 746 | |
| Net Interest Margin | 3.70% | 3.17% | 3.68% | 4.16% | Beats 51% | 363 / 746 | |
| Efficiency Ratio | 81.75% | 55.74% | 64.58% | 75.47% | Beats 15% | 637 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.19% | 11.55% | 13.75% | 17.60% | Beats 69% | 231 / 746 | |
| Total Risk-Based Capital Ratio | 16.19% | 11.71% | 14.33% | 18.43% | Beats 64% | 265 / 746 | |
| Equity / Assets | 15.62% | 8.90% | 10.51% | 13.06% | Beats 89% | 85 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 49.23% | 61.31% | 78.27% | 90.78% | 12th pctl | 654 / 746 | |
| Loans / Assets | 40.81% | 53.60% | 66.97% | 76.08% | 11th pctl | 667 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |