The Richwood Banking Company, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Richwood Banking Company, Inc. of Richwood, OH against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.37% | 1.46% | -0.09% | 58th above |
| ROAE | 14.33% | 12.69% | +1.64% | 66th above |
| Net Interest Margin | 4.29% | 3.85% | +0.44% | 82nd top |
| Efficiency Ratio | 58.87% | 57.40% | +1.47% | 49th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.73% | 1.88% | -0.15% | 51st above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.72% | -0.10% | 55th above |
| Cost of Funds | 1.35% | 2.02% | -0.67% | 86th top |
| Net Interest Spread | 4.03% | 3.18% | +0.85% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.28% | 1.00% | +0.28% | 24th bottom |
| NPA / Total Assets | 0.88% | 0.76% | +0.12% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 29th below |
| ACL / Total Loans | 1.07% | 1.31% | -0.24% | 39th below |
| ACL / NPLs (Coverage) | 82.97% | 564.61% | -481.64% | 22nd bottom |
| Texas Ratio | 8.94% | 7.39% | +1.55% | 27th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 368.70% | 618.69% | -249.99% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.77% | 17.34% | -3.57% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.77% | 17.37% | -3.60% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.76% | 18.42% | -3.66% | 52nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.76% | 11.44% | -0.68% | 56th above |
| Equity / Assets | 9.90% | 11.34% | -1.44% | 41st below |
| TCE / Tangible Assets | 9.19% | 10.50% | -1.31% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.57% | 86.96% | -3.39% | 62nd above |
| Core Deposit Ratio | 93.08% | 85.55% | +7.53% | 74th above |
| Uninsured Deposit Ratio | 22.31% | 33.13% | -10.82% | 79th top |
| Wholesale Funding Ratio | 6.59% | 5.70% | +0.89% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.63% | 9.68% | -4.05% | 53rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.65% | 8.06% | -2.41% | 50th above |
| Deposit Growth (Y/Y) | -0.25% | 7.88% | -8.13% | 17th bottom |
See The Richwood Banking Company, Inc.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Richwood Banking Company, Inc., 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 The Richwood Banking Company, Inc. profile, how to read a UBPR, or how this data updates.