Richland County Bank
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Data as of · sourced from FFIEC call reports. How we update
Richland County Bank is an FDIC-insured commercial bank headquartered in Richland Center, WI, established in 1881 (FDIC certificate 15092), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $114.1M, up 4.9% from Q2 2025, the 139th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.77% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15092
- Headquarters
- Richland Center, WI
- Established
- 1881
- Total assets, Q2 2026
- $114.1M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 17.77%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075902609
- Holding company
- RICHLAND COUNTY BANCSHARES, INC.
- Asset rank in state
- 139th of 153 in Wisconsin
Richland County Bank, based in Richland Center, Wisconsin, reported $114 million in assets at June 30, 2026, up 4.9% from a year earlier. It pays an average of 0.85% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 17.77% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $447,000, 37% above the same quarter a year earlier. Unrealized losses on its securities total $3.3 million, equal to 16% of Tier 1 capital, against 20% a year earlier.
As of June 30, 2026, Richland County Bank reported a return on assets of 1.51%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Richland County Bank is the 139th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $114.1M, loans rose 3.2% and deposits rose 0.2%. 1-4 family residential loans made up 34.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.5%. Its one office in the FDIC Summary of Deposits is in Richland Center, WI. Judged on its Q2 2026 call report, Richland County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 195 W Court St, Richland Center, WI 53581
- County
- Richland
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1881
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $96.0M
- Allowance for credit losses
- $637K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $118.6M
- Average total loans
- $48.8M
- Average interest-bearing deposits
- $70.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 12, 1935
- FDIC Cert
- 15092
- Fed RSSD
- 331544
- SEC CIK
- 1068910 → filed by RICHLAND COUNTY BANCSHARES, INC.
- Website
- www.richlandcountybank.com →
- Parent Holding Company
- RICHLAND COUNTY BANCSHARES, INC. (RSSD 2737971)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Richland County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Richland County Bank's total assets ran between $105.2M (Q3 2023) and $114.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$114.1M total assets against $108.7M; $96.3M total liabilities against $92.5M.
$49.2M net loans and leases against $45.7M; $96.0M total deposits against $92.2M.
$51.8M securities against $50.4M; $6.9M cash and balances due against $6.6M.
$1.2M total interest income against $1.1M; $205K total interest expense against $214K.
$988K net interest income against $894K.
$132K total noninterest income against $113K; $666K total noninterest expense against $678K.
$0 provision for credit losses against $0.
$447K net income against $326K.
1.51% return on assets against 1.14%; 3.54% net interest margin against 3.34%.
17.77% tier 1 leverage ratio against 17.74%.
Inside the full Richland County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRichland County Bank rankings
Its closest position to the top of a national ranking is 1,296 of 3,611, for ROA; its furthest is 3,623 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q3 2024) to 1.51% (Q2 2026) and its net interest margin ran from 2.85% (Q3 2024) to 3.54% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.77% | 1.51% | 0.00% | 0.00% | 3.54% |
| Q1 2026 | 18.01% | 1.40% | 0.00% | 0.00% | 3.47% |
| Q4 2025 | 18.26% | 1.33% | 0.00% | 0.00% | 3.41% |
| Q3 2025 | 17.81% | 1.22% | 0.00% | 0.00% | 3.43% |
| Q2 2025 | 17.74% | 1.14% | 0.00% | 0.00% | 3.34% |
| Q1 2025 | 16.90% | 1.04% | 0.00% | 0.00% | 3.17% |
| Q4 2024 | 17.89% | 1.06% | 0.00% | 0.00% | 3.03% |
| Q3 2024 | 19.04% | 0.95% | 0.00% | 0.00% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Richland County Bank (main office) | Richland Center , WI | 53581 | $96.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2015 | Structure Change | Acquired RCB Investments, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 159 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $410K approved, $410K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Richland County Bank
What are Richland County Bank's total assets?
As of the Q2 2026 filing, Richland County Bank reported total assets of $114.1 million in its FFIEC call report.
Where is Richland County Bank headquartered?
It is headquartered in Richland Center, WI, United States.
When was Richland County Bank founded?
It was established in 1881, per the FDIC institution directory.
Is Richland County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Richland County Bank?
Richland County Bank's primary federal regulator is the FDIC.
How many branches does Richland County Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Richland County Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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