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
Unfavorable gap of $30.2M · efficiency ratio beats 35% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.93% | 1.23% | 1.54% | Beats 50% | 129 / 258 | | |
| Return on Equity | 12.46% | 9.26% | 11.84% | 14.74% | Beats 54% | 118 / 258 | | |
| Net Interest Margin | 3.92% | 3.16% | 3.49% | 3.88% | Beats 77% | 59 / 258 | | |
| Efficiency Ratio | 64.29% | 51.71% | 60.30% | 69.65% | Beats 35% | 169 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.19% | 0.46% | 0.90% | Beats 17% | 216 / 258 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 31% | 178 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.77% | 11.41% | 12.98% | 15.12% | Beats 62% | 99 / 258 | | |
| Total Risk-Based Capital Ratio | 14.76% | 12.10% | 13.91% | 16.08% | Beats 61% | 101 / 258 | | |
| Equity / Assets | 9.90% | 9.09% | 10.24% | 11.72% | Beats 43% | 146 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.57% | 73.24% | 86.34% | 95.95% | 41st pctl | 151 / 258 | | |
| Loans / Assets | 68.53% | 63.01% | 72.27% | 78.40% | 36th pctl | 165 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |