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The Richwood Banking Company
Richwood, OH · FDIC Certificate #12978 · Chartered 07/0
Total assets
$1.30B
Total deposits
$1.06B
Total equity
$128.26M
Net loans
$878.75M
Branches (offices)
9
Net income (YTD)
$7.99M
Rank: #849 of 4,213 U.S. banks by assets · #29 of 155 in Ohio. Assets changed 5.6% and deposits -0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 13.08% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 9.90% |
| Tier 1 leverage ratio | 10.76% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 1.28% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 82.7% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $777.64M | 88.5% | |
| Commercial & industrial | $75.23M | 8.6% | |
| Consumer / individual | $3.00M | 0.3% | |
| Construction & development | $25.87M | 2.9% | |
| Agricultural | $24.50M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.01B | $926.43M | $5.25M | $67.00M |
| Jun 2023 | $1.14B | $946.00M | $5.10M | $68.81M |
| Jun 2024 | $1.19B | $1.05B | $5.36M | $79.60M |
| Jun 2025 | $1.23B | $1.07B | $6.40M | $96.66M |
| Jun 2026 | $1.30B | $1.06B | $7.99M | $128.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.06B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.06B.
Similar-sized banks
Pinnacle Bank - Wyoming ($1.30B) · The Commercial And Savings Bank Of Millersburg, Ohio ($1.30B)
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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