Richwood, OH · Cert 12978 · Richwood Bancshares Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.7% share · #15 of 53 inst. · $0.9B of $124.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.90% | 0.98% | 1.08% | 1.49% | 0.82% | 1.13% | 1.38% | +30 bps | |
| Return on Equity | 13.98% | 12.58% | 13.65% | 14.22% | 17.47% | 8.76% | 11.92% | 14.33% | +11 bps | |
| Net Interest Margin | 3.29% | 3.43% | 3.33% | 3.56% | 3.70% | 3.93% | 3.88% | 3.97% | +41 bps | |
| Efficiency Ratio | 69.95% | 67.01% | 68.81% | 64.18% | 35.45% | 74.02% | 67.28% | 60.72% | -346 bps | |
| Non-Interest Burden | 2.15% | 2.12% | 2.14% | 2.10% | -1.33% | 2.77% | 2.45% | 2.21% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.86% | 3.08% | -2.02% | 3.50% | -1.39% | 1.44% | 1.50% | 5.63% | +213 bps | |
| Loan Growth (YoY) | 1.65% | 3.24% | 5.54% | 7.51% | 9.64% | 7.10% | 6.53% | 5.65% | -185 bps | |
| Deposit Growth (YoY) | 15.00% | 16.04% | 1.95% | 1.51% | -3.67% | -2.96% | 0.12% | -0.25% | -176 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.18% | 0.33% | 0.26% | 0.47% | 0.46% | 0.49% | 1.28% | +102 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.24% | -0.08% | 0.01% | 0.02% | 0.01% | 0.01% | 0.10% | +9 bps | |
| Allowance / Loans | 0.99% | 0.96% | 0.96% | 0.96% | 0.95% | 1.03% | 1.03% | 1.07% | +10 bps | |
| Allowance Coverage of NPLs | 5.1x | 5.3x | 3.0x | 3.7x | 2.0x | 2.2x | 2.1x | 0.8x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.64% | 9.54% | 9.98% | 10.15% | 10.39% | 10.46% | 10.76% | +78 bps | |
| Total Risk-Based Capital | 13.91% | 13.98% | 14.15% | 14.21% | 14.17% | 14.57% | 13.88% | 14.76% | +55 bps | |
| Equity / Assets | 7.23% | 7.04% | 7.38% | 7.88% | 9.12% | 9.61% | 9.40% | 9.90% | +202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.85% | 75.08% | 72.23% | 78.90% | 80.63% | 82.85% | 76.85% | 83.57% | +467 bps | |
| Liquid Assets / Assets | 7.61% | 4.66% | 6.16% | 1.69% | 1.10% | 1.50% | 0.32% | 1.26% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 338% | 331% | 329% | n/a | n/a | |