Bank Comparison
Richwood Banking Company, INC., the vs Commercial and Savings Bank of Millersburg, Ohio, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Richwood Banking Company, INC., the | Commercial and Savings Bank of Millersburg, Ohio, the |
|---|---|---|
| CET1 Ratio | 12.95% | 15.21% |
| Tier 1 Capital Ratio | 12.95% | 15.21% |
| Total Capital Ratio | 13.88% | 16.47% |
| Tier 1 Leverage Ratio | 10.46% | 10.12% |
| Equity / Assets | 9.40% | 10.10% |
Profitability
| Metric | Richwood Banking Company, INC., the | Commercial and Savings Bank of Millersburg, Ohio, the |
|---|---|---|
| Return on Assets (ROA) | 1.10% | 1.44% |
| Return on Equity (ROE) | 11.92% | 14.47% |
| Net Interest Margin (NIM) | 4.13% | 3.82% |
| Yield on Earning Assets | 5.34% | 4.98% |
| Cost of Funds | 1.35% | 1.22% |
Asset quality
| Metric | Richwood Banking Company, INC., the | Commercial and Savings Bank of Millersburg, Ohio, the |
|---|---|---|
| Texas Ratio | 3.60% | 1.32% |
| Non-Performing Loan Ratio | 0.49% | 0.17% |
| Non-Performing Asset Ratio | 0.34% | 0.11% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.03% | 1.52% |
Balance sheet
| Metric | Richwood Banking Company, INC., the | Commercial and Savings Bank of Millersburg, Ohio, the |
|---|---|---|
| Total Assets | $1,272M | $1,265M |
| Total Deposits | $1,132M | $1,102M |
| Total Loans | $870,500K | $853,264K |
| Total Equity | $119,581K | $127,769K |
| Net Income (quarter) | $3,550K | $4,573K |
Liquidity & funding
| Metric | Richwood Banking Company, INC., the | Commercial and Savings Bank of Millersburg, Ohio, the |
|---|---|---|
| Loan-to-Deposit Ratio | 76.85% | 77.37% |
| Core Deposit Ratio | 93.44% | 92.40% |
| Uninsured Deposit Ratio | 23.96% | 23.86% |
Identity
| Metric | Richwood Banking Company, INC., the | Commercial and Savings Bank of Millersburg, Ohio, the |
|---|---|---|
| Headquarters City | RICHWOOD | MILLERSBURG |
| Headquarters State | OH | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 9 | 16 |
| Employees (FTE) | 195 | 182 |
| Established | July 1, 1867, midnight | Jan. 1, 1879, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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