Richton Bank & Trust Company
BankRegReports is independent of Richton Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Richton Bank & Trust Company is an FDIC-insured commercial bank headquartered in Richton, MS, established in 1931 (FDIC certificate 11817), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $52.0M, up 2.4% from Q2 2025, the 57th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.19% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11817
- Headquarters
- Richton, MS
- Established
- 1931
- Total assets, Q2 2026
- $52.0M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 16.19%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 065303810
- Latest call report
- Q2 2026, FFIEC 051 · Richton Bank & Trust Company call report
- Holding company
- CENTON BANCORP, INC.
- Asset rank in state
- 57th of 57 in Mississippi
Richton Bank & Trust Company, based in Richton, Mississippi, reported $52 million in assets at June 30, 2026, up 2.4% from a year earlier. It pays an average of 0.62% on its deposits and borrowings, about a third the median of 1.53% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Net income for the quarter rose 13% from a year earlier, to $112,000. Over the same year, loans grew 6.4% and deposits grew 1.6%.
As of June 30, 2026, Richton Bank & Trust Company reported a return on assets of 0.85%, 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.
Of the 57 banks headquartered in Mississippi, Richton Bank & Trust Company is the smallest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.3% to $52.0M, loans rose 3.1% and deposits fell 4.4%. Commercial and industrial loans made up 24.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 22.9%. Its 2 offices in the FDIC Summary of Deposits are in Richton, MS. By the capital ratios in its Q2 2026 call report, Richton Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 114 South Front Street, Richton, MS 39476
- County
- Perry
- Metro Area
- Hattiesburg, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1931
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $43.1M
- Allowance for credit losses
- $786K
- Net charge-offs (YTD)
- $0
- Average total assets
- $52.9M
- Average total loans
- $20.7M
- Average interest-bearing deposits
- $25.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11817
- Fed RSSD
- 40033
- Website
- www.richtonbank.com →
- Parent Holding Company
- CENTON BANCORP, INC. (RSSD 2782609)
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, Richton Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Richton Bank & Trust Company's total assets ranged from $50.6M (Q3 2025) to $53.8M (Q1 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
$52.0M total assets against $50.8M; $43.8M total liabilities against $43.2M.
$20.4M net loans and leases against $19.1M; $43.1M total deposits against $42.4M.
$17.2M securities against $19.7M; $7.8M cash and balances due against $5.1M.
$559K total interest income against $545K; $62K total interest expense against $76K.
$497K net interest income against $469K.
$87K total noninterest income against $77K; $472K total noninterest expense against $447K.
No provision recorded in the last 12 quarters.
$112K net income against $99K.
0.85% return on assets against 0.76%; 4.36% net interest margin against 4.11%.
16.19% tier 1 leverage ratio against 16.31%.
Inside the full Richton Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRichton Bank & Trust Company rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q3 2024) to 1.19% (Q3 2025) and its net interest margin ran from 3.81% (Q1 2025) to 4.53% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.19% | 0.85% | 0.00% | 0.00% | 4.36% |
| Q1 2026 | 15.70% | 0.71% | 0.00% | 0.00% | 4.19% |
| Q4 2025 | 16.92% | 0.75% | 0.00% | 0.00% | 4.18% |
| Q3 2025 | 16.88% | 1.19% | 0.00% | 0.00% | 4.53% |
| Q2 2025 | 16.31% | 0.76% | 0.00% | 0.00% | 4.11% |
| Q1 2025 | 15.95% | 0.66% | 0.24% | 0.57% | 3.81% |
| Q4 2024 | 16.21% | 0.85% | 0.00% | 0.00% | 4.00% |
| Q3 2024 | 16.17% | 0.56% | 0.00% | 0.00% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Richton Bank & Trust Company (main office) | Richton , MS | 39476 | $42.6M |
| North Richton Branch | Richton , MS | 39476 | $431K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MS, rank 74 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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
Add this badge to your website
Free to use. It shows Richton Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Richton Bank & Trust Company with peers
Frequently asked about Richton Bank & Trust Company
What are Richton Bank & Trust Company's total assets?
As of the Q2 2026 filing, Richton Bank & Trust Company reported total assets of $52.0 million in its FFIEC call report.
Where is Richton Bank & Trust Company headquartered?
It is headquartered in Richton, MS, United States.
When was Richton Bank & Trust Company founded?
It was established in 1931, per the FDIC institution directory.
Is Richton Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Richton Bank & Trust Company?
Richton Bank & Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Richton Bank & Trust Company operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Richton Bank & Trust Company'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.
Go deeper on Richton Bank & Trust Company.
Get an email when Richton Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Richton Bank & Trust Company, freeFree account