Richton Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Richton Bank & Trust Company of Richton, MS against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.85% | 3.13% | -2.28% | 41st below |
| ROAE | 5.59% | 10.31% | -4.72% | 34th below |
| Net Interest Margin | 4.36% | 3.94% | +0.42% | 70th above |
| Efficiency Ratio | 80.24% | 76.31% | +3.93% | 32nd below |
| PPNR / Avg Assets | 0.85% | 1.40% | -0.55% | 33rd below |
| Yield on Earning Assets | 4.90% | 5.35% | -0.45% | 36th below |
| Cost of Funds | 0.62% | 1.70% | -1.08% | 93rd top |
| Net Interest Spread | 4.08% | 3.32% | +0.76% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 3.71% | 1.49% | +2.22% | 96th top |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.19% | 17.65% | -1.46% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.62% | 16.45% | -0.83% | 69th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.62% | 16.19% | -0.57% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.23% | 72.87% | -23.64% | 73rd above |
| Core Deposit Ratio | 96.92% | 88.26% | +8.66% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.36% | 4.26% | -1.90% | 48th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.43% | 6.75% | -0.32% | 66th above |
| Deposit Growth (Y/Y) | 1.63% | 3.73% | -2.10% | 47th below |
See Richton Bank & Trust Company's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Richton Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Richton Bank & Trust Company profile, how to read a UBPR, or how this data updates.