The Richwood Banking Company, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.04 percentage points lower than in Q1 2026, at 209.65%. The Richwood Banking Company, Inc. ranks 73rd of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 83.57% (Q2 2026). The Richwood Banking Company, Inc. reported 83.57% on loan-to-deposit ratio for Q2 2026, 4.63 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $888.2M |
| Net loans and leases | $878.7M |
| Loans held for sale | $348K |
| Loans to total assets | 68.53% |
| Loan-to-deposit ratio | 83.57% |
| Net loans to equity capital | 6.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.70% |
| Multifamily (5+ residential) | 4.92% |
| Commercial and industrial | 8.47% |
| Consumer | 0.34% |
| Credit cards | 0.00% |
| Farm | 13.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.65% |
| Construction concentration (Tier 1 capital + allowance) | 17.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.48% |
| Interest income on loans | $14.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $776.0M | $968.1M | 36.90% | 6.01% | 0.46% |
| Q4 2023 | $775.8M | $919.3M | 36.94% | 6.08% | 0.46% |
| Q1 2024 | $774.2M | $1.11B | 37.56% | 5.55% | 0.39% |
| Q2 2024 | $782.0M | $1.05B | 38.35% | 5.97% | 0.37% |
| Q3 2024 | $788.8M | $1.11B | 41.46% | 4.72% | 0.35% |
| Q4 2024 | $800.9M | $1.07B | 42.02% | 6.15% | 0.36% |
| Q1 2025 | $817.2M | $1.13B | 41.90% | 6.47% | 0.34% |
| Q2 2025 | $840.7M | $1.07B | 42.77% | 6.64% | 0.36% |
| Q3 2025 | $864.8M | $1.07B | 43.41% | 6.62% | 0.37% |
| Q4 2025 | $857.7M | $1.04B | 43.65% | 6.84% | 0.33% |
| Q1 2026 | $870.5M | $1.13B | 42.99% | 7.78% | 0.31% |
| Q2 2026 | $888.2M | $1.06B | 42.70% | 8.47% | 0.34% |
The Richwood Banking Company, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Richwood Banking Company, Inc., freeSource: Call Report Schedule RC-C, 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)