RICHTON BANK & TRUST COMPANY

RICHTON, MS | Micro | Est. Jan. 1, 1931, midnight | FDIC #11817 | RSSD #40033 | FED
Latest Report: 2025-12-31

RICHTON BANK & TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in RICHTON, MS, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $51M and total deposits of $42M. Profitability stands at 0.75% ROA and 4.79% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 15.86%, 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 #11817.

Assets

$51M

Deposits

$42M

Loans

$21M

Equity

$8M

Profitability

Return on Assets (ROA) 0.75%
Return on Equity (ROE) 4.79%
Net Interest Margin (NIM) 4.01%
Yield on Assets 4.47%
Cost of Funds 0.79%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 3.73%

Capital & Liquidity

CET1 Ratio 15.86%
Tier 1 Capital 15.86%
Total Capital Ratio 16.65%
Leverage Ratio 16.92%
Loan-to-Deposit 49.65%

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