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Richland County Bank
Richland Center, WI · FDIC Certificate #15092 · Chartered 01/0
Total assets
$114.10M
Total deposits
$96.01M
Total equity
$17.79M
Net loans
$49.22M
Branches (offices)
1
Net income (YTD)
$852.00K
Rank: #3,578 of 4,213 U.S. banks by assets · #139 of 153 in Wisconsin. Assets changed 4.9% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 9.73% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 15.59% |
| Tier 1 leverage ratio | 17.77% |
| Uninsured deposits (share of deposits) | 12.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 51.3% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $39.25M | 79.7% | |
| Commercial & industrial | $4.22M | 8.6% | |
| Consumer / individual | $2.08M | 4.2% | |
| Construction & development | $4.85M | 9.9% | |
| Agricultural | $4.08M | 8.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.90M | $101.59M | $501.00K | $13.16M |
| Jun 2023 | $107.69M | $95.09M | $181.00K | $12.35M |
| Jun 2024 | $106.92M | $92.71M | $519.00K | $13.88M |
| Jun 2025 | $108.73M | $92.23M | $631.00K | $16.21M |
| Jun 2026 | $114.10M | $96.01M | $852.00K | $17.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $96.01M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $96.01M.
Similar-sized banks
Turtle Mountain State Bank ($114.12M) · Monroe Savings Bank ($113.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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