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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

$1.3BAssets
$888.2MLoans
$1.1BDeposits
$128.3MEquity
Loan mix
92%RE $768.9M8%C&I $67.7M0%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $957.3M10%Noninterest $105.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.91%0.98%1.04%1.19%1.09%1.13%1.26%+22 bps
Return on Equity13.71%13.55%13.65%13.98%15.10%13.35%11.92%13.08%-90 bps
Net Interest Margin3.17%3.32%3.33%3.47%3.50%3.62%3.88%3.92%+44 bps
Efficiency Ratio69.30%68.71%68.81%66.44%50.92%56.01%67.28%63.95%-249 bps
Non-Interest Burden2.04%2.11%2.14%2.14%0.95%1.41%2.45%2.32%+19 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 / Loans0.19%0.18%0.33%0.26%0.47%0.46%0.49%1.28%+102 bps
Net Charge-Offs / Loans0.06%0.11%-0.08%-0.04%-0.02%-0.01%0.01%0.06%+9 bps
Allowance / Loans0.99%0.96%0.96%0.96%0.95%1.03%1.03%1.07%+10 bps
Allowance Coverage of NPLs5.1x5.3x3.0x3.7x2.0x2.2x2.1x0.8x-2.9x
Capital
Tier 1 Leverage Ratio9.09%9.64%9.54%9.98%10.15%10.39%10.46%10.76%+78 bps
Total Risk-Based Capital13.91%13.98%14.15%14.21%14.17%14.57%13.88%14.76%+55 bps
Equity / Assets7.23%7.04%7.38%7.88%9.12%9.61%9.40%9.90%+202 bps
Liquidity & Funding
Loans / Deposits70.85%75.08%72.23%78.90%80.63%82.85%76.85%83.57%+467 bps
Liquid Assets / Assets7.61%4.66%6.16%1.69%1.10%1.50%0.32%1.26%-44 bps
CRE / Total Capitaln/an/an/an/a338%331%329%n/an/a