RICHLAND COUNTY BANK

RICHLAND CENTER, WI | Small | Est. Jan. 1, 1881, midnight | FDIC #15092 | RSSD #331544 | FDIC
Latest Report: 2025-12-31

RICHLAND COUNTY BANK is asn small FDIC-insured commercial bank headquartered in RICHLAND CENTER, WI, established in Jan. 1, 1881, midnight. As of 2025-12-31, the bank reported total assets of $110M and total deposits of $92M. Profitability stands at 1.38% ROA and 8.74% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 15.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15092.

Assets

$110M

Deposits

$92M

Loans

$47M

Equity

$17M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 8.74%
Net Interest Margin (NIM) 3.63%
Yield on Assets 4.52%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.15%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 15.89%
Tier 1 Capital 15.89%
Total Capital Ratio 16.68%
Leverage Ratio 18.26%
Loan-to-Deposit 50.77%

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