The Richwood Banking Company, Inc.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 16.7% higher than in Q1 2026, at -$20.7M. Within Ohio, The Richwood Banking Company, Inc. is 47th of 84 on CET1 ratio, 13.77% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; The Richwood Banking Company, Inc. reported 13.77% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 14.76% |
| Tier 1 leverage ratio | 10.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $138.8M |
| Tier 1 capital | $138.8M |
| Total risk-based capital | $148.8M |
| Total equity capital | $128.3M |
| Risk-weighted assets | $1.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.90% |
| Tangible equity to tangible assets | 9.19% |
| Equity capital to average assets | 9.87% |
| Internal capital growth rate | 14.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $725K |
| Common stock surplus | $1.5M |
| Retained earnings | $146.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.88% | 11.88% | 12.64% | 8.87% | $882.5M |
| Q4 2023 | 12.09% | 12.09% | 12.87% | 9.10% | $883.5M |
| Q1 2024 | 12.32% | 12.32% | 13.17% | 8.54% | $880.0M |
| Q2 2024 | 12.74% | 12.74% | 13.58% | 9.02% | $878.1M |
| Q3 2024 | 13.09% | 13.09% | 13.91% | 9.09% | $878.0M |
| Q4 2024 | 13.18% | 13.18% | 13.98% | 9.64% | $893.3M |
| Q1 2025 | 13.29% | 13.29% | 14.15% | 9.54% | $905.9M |
| Q2 2025 | 13.34% | 13.34% | 14.21% | 9.98% | $928.6M |
| Q3 2025 | 13.32% | 13.32% | 14.17% | 10.15% | $965.3M |
| Q4 2025 | 13.66% | 13.66% | 14.57% | 10.39% | $960.1M |
| Q1 2026 | 12.95% | 12.95% | 13.88% | 10.46% | $1.04B |
| Q2 2026 | 13.77% | 13.77% | 14.76% | 10.76% | $1.01B |
The Richwood Banking Company, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Richwood Banking Company, Inc., freeSource: Call Report Schedule RC-R, 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 The Richwood Banking Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12978) · FFIEC NIC profile (RSSD 150727)