The Richwood Banking Company, Inc.: 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 Reserve coverage of non-performing loans: 128.26 percentage points lower than in Q1 2026, at 82.97%. The Richwood Banking Company, Inc. ranks 42nd of 156 Ohio banks on return on assets, in the upper half at 1.37% (Q2 2026). The Richwood Banking Company, Inc. reported 1.37% on return on assets for Q2 2026, 0.09 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 14.76% |
| Tier 1 leverage ratio | 10.76% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.28% |
| Non-performing assets ratio | 0.88% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 8.94% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 82.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 14.33% |
| Net interest margin | 4.29% |
| Efficiency ratio | 58.87% |
| Yield on earning assets | 5.62% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.57% |
| Core deposits to total deposits | 93.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.01% |
| Securities to assets | 22.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.88% | 11.88% | 12.64% | 8.87% | 0.67% |
| Q4 2023 | 12.09% | 12.09% | 12.87% | 9.10% | 0.65% |
| Q1 2024 | 12.32% | 12.32% | 13.17% | 8.54% | 0.64% |
| Q2 2024 | 12.74% | 12.74% | 13.58% | 9.02% | 1.06% |
| Q3 2024 | 13.09% | 13.09% | 13.91% | 9.09% | 0.94% |
| Q4 2024 | 13.18% | 13.18% | 13.98% | 9.64% | 0.90% |
| Q1 2025 | 13.29% | 13.29% | 14.15% | 9.54% | 0.96% |
| Q2 2025 | 13.34% | 13.34% | 14.21% | 9.98% | 1.07% |
| Q3 2025 | 13.32% | 13.32% | 14.17% | 10.15% | 1.44% |
| Q4 2025 | 13.66% | 13.66% | 14.57% | 10.39% | 0.80% |
| Q1 2026 | 12.95% | 12.95% | 13.88% | 10.46% | 1.10% |
| Q2 2026 | 13.77% | 13.77% | 14.76% | 10.76% | 1.37% |
The Richwood Banking Company, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Richwood Banking Company, Inc., 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 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)