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Richton Bank & Trust Company
Richton, MS · FDIC Certificate #11817 · Chartered 01/0
Total assets
$51.97M
Total deposits
$43.08M
Total equity
$8.12M
Net loans
$20.42M
Branches (offices)
2
Net income (YTD)
$208.00K
Rank: #4,028 of 4,213 U.S. banks by assets · #57 of 57 in Mississippi. Assets changed 2.4% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 5.16% |
| Net interest margin (YTD) | 4.40% |
| Equity to assets | 15.62% |
| Tier 1 leverage ratio | 15.95% |
| Uninsured deposits (share of deposits) | 10.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 47.4% |
| Real estate loans (share of loans) | 73.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.01M | 73.5% | |
| Commercial & industrial | $5.08M | 24.9% | |
| Consumer / individual | $1.11M | 5.4% | |
| Construction & development | $850.00K | 4.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $57.06M | $49.55M | $184.00K | $6.93M |
| Jun 2023 | $53.82M | $46.80M | $145.00K | $6.34M |
| Jun 2024 | $50.95M | $43.45M | $70.00K | $6.79M |
| Jun 2025 | $50.77M | $42.39M | $185.00K | $7.54M |
| Jun 2026 | $51.97M | $43.08M | $208.00K | $8.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $43.08M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $43.08M.
Similar-sized banks
Farmers & Merchants Bank Of Hutsonville ($52.00M) · The Mer Rouge State Bank ($51.81M)
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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