The Richwood Banking Company, Inc.
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Data as of · sourced from FFIEC call reports. How we update
The Richwood Banking Company, Inc. is an FDIC-insured commercial bank headquartered in Richwood, OH, established in 1867 (FDIC certificate 12978), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.30B, up 5.6% from Q2 2025, the 29th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 13.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12978
- Headquarters
- Richwood, OH
- Established
- 1867
- Total assets, Q2 2026
- $1.30B
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 13.77%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 044106588
- Latest call report
- Q2 2026, FFIEC 051 · The Richwood Banking Company, Inc. call report
- Holding company
- RICHWOOD BANCSHARES, INC.
- Asset rank in state
- 29th of 154 in Ohio
Problem loans are rising at The Richwood Banking Company, Inc.. The Richwood, Ohio bank had $1.3 billion in assets at June 30, 2026, up 5.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.28% of loans from 0.26% a year earlier. It pays an average of 1.35% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also lost 0.3% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Earnings jumped: net income for the quarter was $4.4 million, 32% above the same quarter a year earlier. Over the same year, loans grew 5.7% and deposits shrank 0.3%. Credit is the area to watch: it carries problem assets equal to 8.9% of the capital and reserves that would absorb them, 2.5 times the median of 3.6% for banks its size.
As of June 30, 2026, The Richwood Banking Company, Inc. reported a CET1 capital ratio of 13.77%, a return on assets of 1.37%, a nonperforming-loan ratio of 1.28% and a Texas ratio of 8.94%. The figures come from its call report filed with the FFIEC.
The Richwood Banking Company, Inc. ranks as the 29th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.9% to $1.30B, loans rose 2.0% and deposits fell 6.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.2% of total loans, ahead of 1-4 family residential loans at 23.6%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in OH; its Richwood office books 29% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Richwood Banking Company, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 28 N Franklin St, Richwood, OH 43344
- County
- Union
- Metro Area
- Columbus, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1867
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 195
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- $246K
- Average total assets
- $1.30B
- Average total loans
- $880.6M
- Average interest-bearing deposits
- $1.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12978
- Fed RSSD
- 150727
- SEC CIK
- 840184 → filed by RICHWOOD BANCSHARES, INC.
- Website
- www.richwoodbank.com →
- Parent Holding Company
- RICHWOOD BANCSHARES, INC. (RSSD 1250651)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Richwood Banking Company, Inc.'s total assets ran between $1.14B (Q3 2023) and $1.30B (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
$1.30B total assets against $1.23B; $1.17B total liabilities against $1.13B.
$878.7M net loans and leases against $832.6M; $1.06B total deposits against $1.07B.
$285.4M securities against $270.3M; $35.5M cash and balances due against $43.8M.
$16.9M total interest income against $15.3M; $4.1M total interest expense against $4.3M.
$12.8M net interest income against $11.0M.
$1.7M total noninterest income against $1.6M; $8.8M total noninterest expense against $8.2M.
$614K provision for credit losses against $297K.
$4.4M net income against $3.4M.
1.37% return on assets against 1.07%; 4.29% net interest margin against 3.86%.
13.77% CET1 capital ratio against 13.34%; 10.76% tier 1 leverage ratio against 9.98%.
Inside the full The Richwood Banking Company, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Richwood Banking Company, Inc. rankings
Its closest position to the top of a national ranking is 726 of 3,640, for Texas Ratio; its furthest is 774 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q4 2025) to 1.44% (Q3 2025) and its net interest margin ran from 3.54% (Q3 2024) to 4.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.77% | 1.37% | 1.28% | 8.94% | 4.29% |
| Q1 2026 | 12.95% | 1.10% | 0.49% | 3.60% | 4.13% |
| Q4 2025 | 13.66% | 0.80% | 0.46% | 3.38% | 4.22% |
| Q3 2025 | 13.32% | 1.44% | 0.47% | 3.67% | 4.09% |
| Q2 2025 | 13.34% | 1.07% | 0.26% | 2.33% | 3.86% |
| Q1 2025 | 13.29% | 0.96% | 0.33% | 2.96% | 3.58% |
| Q4 2024 | 13.18% | 0.90% | 0.18% | 1.73% | 3.67% |
| Q3 2024 | 13.09% | 0.94% | 0.19% | 1.74% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| The Richwood Banking Company | Richwood , OH | 43344 | $303.8M |
| Marysville Branch | Marysville , OH | 43040 | $258.0M |
| Plain City Branch | Plain City , OH | 43064 | $156.4M |
| Delaware Branch | Delaware , OH | 43015 | $141.9M |
| Limestone Office | Springfield , OH | 45503 | $75.3M |
| Bellefontaine Branch | Bellefontaine , OH | 43311 | $50.7M |
| Huntsville Branch | Huntsville , OH | 43324 | $34.8M |
| Larue Branch | Larue , OH | 43332 | $27.9M |
| West Main Branch | Springfield , OH | 45502 | $14.2M |
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 |
|---|---|---|---|
| December 8, 2018 | Structure Change | Acquired Home City Federal Savings Bank of Springfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OH, rank 38 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $320K approved, $320K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 The Richwood Banking Company, Inc.
What are The Richwood Banking Company, Inc.'s total assets?
As of the Q2 2026 filing, The Richwood Banking Company, Inc. reported total assets of $1.30 billion in its FFIEC call report.
Where is The Richwood Banking Company, Inc. headquartered?
It is headquartered in Richwood, OH, United States.
When was The Richwood Banking Company, Inc. founded?
It was established in 1867, per the FDIC institution directory.
Is The Richwood Banking Company, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Richwood Banking Company, Inc.?
The Richwood Banking Company, Inc.'s primary federal regulator is the Federal Reserve.
What is The Richwood Banking Company, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Richwood Banking Company, Inc. operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Richwood Banking Company, Inc.'s Texas Ratio?
Its Texas Ratio is 8.94% 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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