Richton Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.59 percentage points higher than in Q1 2026, at 49.23%. Richton Bank & Trust Company ranks 47th of 57 Mississippi banks on return on assets, in the lower half at 0.85% (Q2 2026). Richton Bank & Trust Company reported 0.85% on return on assets for Q2 2026, 0.14 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.19% |
| Equity capital to assets | 15.62% |
| Tangible equity to tangible assets | 15.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 3.71% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 5.59% |
| Net interest margin | 4.36% |
| Efficiency ratio | 80.24% |
| Yield on earning assets | 4.90% |
| Cost of funds | 0.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.23% |
| Core deposits to total deposits | 96.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.89% |
| Securities to assets | 33.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.70% | 0.46% | 3.65% | 0.00% | -0.02% |
| Q4 2023 | 16.26% | 1.09% | 3.51% | 0.00% | 0.02% |
| Q1 2024 | 15.82% | 0.31% | 3.52% | 2.12% | 0.00% |
| Q2 2024 | 16.26% | 0.24% | 3.59% | 0.00% | 1.31% |
| Q3 2024 | 16.17% | 0.56% | 3.89% | 0.00% | 0.04% |
| Q4 2024 | 16.21% | 0.85% | 4.00% | 0.00% | 0.02% |
| Q1 2025 | 15.95% | 0.66% | 3.81% | 0.00% | 0.00% |
| Q2 2025 | 16.31% | 0.76% | 4.11% | 0.00% | 0.00% |
| Q3 2025 | 16.88% | 1.19% | 4.53% | 0.00% | 0.00% |
| Q4 2025 | 16.92% | 0.75% | 4.18% | 0.00% | 0.00% |
| Q1 2026 | 15.70% | 0.71% | 4.19% | 0.00% | 0.00% |
| Q2 2026 | 16.19% | 0.85% | 4.36% | 0.00% | 0.00% |
Richton Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Richton Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Richton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11817) · FFIEC NIC profile (RSSD 40033)