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Richwood Banking Company, Inc., The

Richwood, OH · Cert 12978 · Richwood Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Richwood Banking Company, Inc., The

Richwood, OH · Cert 12978 · Richwood Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$1.3BAssets
$888.2MLoans
$1.1BDeposits
$128.3MEquity
Loan mix
92%RE $768.9M8%C&I $67.7M0%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $957.3M10%Noninterest $105.6MQ2 2025Q2 2026

NIM

4.82%Q2 ’244.82%Q2 ’255.10%Q2 ’26+9%+13%

Non-interest income vs. expense

2.56%Q2 ’242.64%Q2 ’252.82%Q2 ’26+6%+9%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.7% share · #15 of 53 inst. · $0.9B of $124.6B

52.7% Union
2.0% Delaware
4.0% Clark
8.7% Logan

Executive Summary

  • Earnings: ROA of 1.26%, up 22 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.28% of loans (+102 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.76%, up 78 bps from a year ago.
  • Funding: loans stand at 83.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+44 bps YoY

Efficiency Ratio (YTD, annualized)

63.95%-249 bps YoY

Tier 1 Leverage Ratio

10.76%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.19%1.09%1.13%1.26%+22 bps
Return on Equity13.98%15.10%13.35%11.92%13.08%-90 bps
Net Interest Margin3.47%3.50%3.62%3.88%3.92%+44 bps
Efficiency Ratio66.44%50.92%56.01%67.28%63.95%-249 bps
Non-Interest Burden2.14%0.95%1.41%2.45%2.32%+19 bps
Growth
Asset Growth (YoY)3.50%-1.39%1.44%1.50%5.63%+213 bps
Loan Growth (YoY)7.51%9.64%7.10%6.53%5.65%-185 bps
Deposit Growth (YoY)1.51%-3.67%-2.96%0.12%-0.25%-176 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.47%0.46%0.49%1.28%+102 bps
Net Charge-Offs / Loans-0.04%-0.02%-0.01%0.01%0.06%+9 bps
Allowance / Loans0.96%0.95%1.03%1.03%1.07%+10 bps
Allowance Coverage of NPLs3.7x2.0x2.2x2.1x0.8x-2.9x
Capital
Tier 1 Leverage Ratio9.98%10.15%10.39%10.46%10.76%+78 bps
Total Risk-Based Capital14.21%14.17%14.57%13.88%14.76%+55 bps
Equity / Assets7.88%9.12%9.61%9.40%9.90%+202 bps
Liquidity & Funding
Loans / Deposits78.90%80.63%82.85%76.85%83.57%+467 bps
Liquid Assets / Assets1.69%1.10%1.50%0.32%1.26%-44 bps
CRE / Total Capitaln/a338%331%329%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Richwood Banking Company, Inc., The

Richwood, OH · Cert 12978 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Richwood Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$1.3BAssets
$888.2MLoans
$1.1BDeposits
$128.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 59 of 258).
  • Widest gap: nonperforming loans / loans trails 83% of banks $1B-$10B in assets operating in a single state (rank 216 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.23%

Rank 129 of 258

Net Interest Margin

3.92%

Rank 59 of 258

Efficiency Ratio

64.29%

Rank 169 of 257

Equity / Assets

9.90%

Rank 146 of 258

Non-interest income vs. expense

$6.4M$36.6MINCOMEEXPENSE
Unfavorable gap of $30.2M · efficiency ratio beats 35% of banks $1B-$10B in assets operating in a single state
Bank 64.29%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.93%1.23%1.54%Beats 50%129 / 258
Return on Equity12.46%9.26%11.84%14.74%Beats 54%118 / 258
Net Interest Margin3.92%3.16%3.49%3.88%Beats 77%59 / 258
Efficiency Ratio64.29%51.71%60.30%69.65%Beats 35%169 / 257
Asset Quality
Nonperforming Loans / Loans1.28%0.19%0.46%0.90%Beats 17%216 / 258
Net Charge-Offs / Loans0.05%0.01%0.02%0.07%Beats 31%178 / 258
Capital
Tier 1 Capital Ratio13.77%11.41%12.98%15.12%Beats 62%99 / 258
Total Risk-Based Capital Ratio14.76%12.10%13.91%16.08%Beats 61%101 / 258
Equity / Assets9.90%9.09%10.24%11.72%Beats 43%146 / 258
Liquidity & Funding
Loans / Deposits83.57%73.24%86.34%95.95%41st pctl151 / 258
Loans / Assets68.53%63.01%72.27%78.40%36th pctl165 / 258
Brokered Deposits / Depositsn/aNot reported for this institution