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Richland County Bank

Richland Center, WI · Cert 15092 · Richland County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$114.1MAssets
$49.9MLoans
$96.0MDeposits
$17.8MEquity
Loan mix
85%RE $37.6M10%C&I $4.5M5%Consumer $2.1MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $69.5M28%Noninterest $26.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.25%, up 31 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.77%, up 3 bps from a year ago.
  • Funding: loans stand at 51.93% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.25%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+21 bps YoY

Efficiency Ratio (quarter, annualized)

59.46%-786 bps YoY

Tier 1 Leverage Ratio

17.77%+3 bps YoY

NIM

3.81%Q2 ’243.87%Q2 ’254.03%Q2 ’26+9%+7%

Non-interest income vs. expense

2.26%Q2 ’242.37%Q2 ’252.25%Q2 ’26+2%-9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.88%0.93%0.94%1.04%1.11%1.18%1.25%+31 bps
Return on Equity5.41%6.25%6.96%6.64%6.79%7.01%7.57%8.13%+149 bps
Net Interest Margin2.79%2.81%2.93%3.12%3.22%3.21%3.26%3.33%+21 bps
Efficiency Ratio70.67%67.56%67.79%67.33%65.93%60.52%64.10%59.46%-786 bps
Non-Interest Burden1.84%1.75%1.88%1.97%1.98%1.76%1.96%1.80%-17 bps
Growth
Asset Growth (YoY)1.64%-0.30%3.45%1.70%0.48%-0.59%1.90%4.93%+324 bps
Loan Growth (YoY)-2.81%-2.11%-2.62%4.91%5.78%4.96%7.25%7.58%+268 bps
Deposit Growth (YoY)-2.92%-1.62%2.51%-0.52%-0.64%-3.48%-0.22%4.10%+462 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.00%0.04%-0.01%0.00%0.58%-0.01%0.00%+1 bps
Allowance / Loans1.52%1.54%1.50%1.47%1.43%1.36%1.32%1.28%-19 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.04%17.89%16.90%17.74%17.81%18.26%18.01%17.77%+3 bps
Total Risk-Based Capital19.04%17.89%16.90%17.74%17.81%18.26%18.01%17.77%+3 bps
Equity / Assets14.73%13.39%13.43%14.91%15.70%15.89%15.21%15.59%+68 bps
Liquidity & Funding
Loans / Deposits49.51%46.69%46.92%50.25%52.71%50.77%50.44%51.93%+168 bps
Liquid Assets / Assets3.95%7.66%8.43%4.36%2.16%4.60%6.44%3.06%-131 bps
CRE / Total Capitaln/an/an/an/a89.65%87.71%86.82%n/an/a