RICHWOOD BANKING CO

FDIC #12978 · OH · period 20260630

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Total assets1,055,490+4.98% YoY

Total deposits959,500+3.57% YoY

Net loans and leases598,105-0.07% YoY

Return on assets1.17%+13.24% YoY

Return on equity13.21%+0.76% YoY

Net interest margin3.40%-4.49% YoY

Peer position

Return on assets50thin line · n=902

Return on equity58thin line · n=894

Net interest margin83rdstrength · n=902

Equity to assets41stin line · n=894

Noncurrent loans20thopportunity · n=887

Liquid assets64thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits62ndin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2021-03-31	1,055,490	959,500	598,105	1.17	13.21	3.40
2021-06-30	1,052,025	951,850	607,842	1.11	12.73	3.36
2021-09-30	1,081,533	979,959	595,734	1.24	14.30	3.58
2022-03-31	1,063,035	973,911	570,655	0.91	10.79	3.37
2022-06-30	1,005,399	926,427	598,533	1.03	13.11	3.56
2022-09-30	1,047,303	973,079	667,156	1.03	14.38	3.66
2022-12-31	1,112,249	997,962	727,975	1.06	15.46	3.68
2023-03-31	1,149,309	1,026,817	735,178	0.89	15.37	3.37
2023-06-30	1,142,260	945,999	754,147	0.90	15.28	3.40
2023-09-30	1,135,977	968,149	767,955	0.83	14.56	3.39
2023-12-31	1,181,242	919,307	767,624	0.79	13.38	3.34
2024-03-31	1,279,165	1,109,779	766,052	0.66	10.57	3.16
2024-06-30	1,185,558	1,049,674	773,870	0.88	13.77	3.50
2024-09-30	1,259,299	1,113,330	780,975	0.91	13.71	3.53
2024-12-31	1,217,625	1,066,755	793,186	0.91	13.55	3.58
2025-03-31	1,253,300	1,131,367	809,298	0.98	13.65	3.69
2025-06-30	1,227,009	1,065,539	832,586	1.04	13.98	3.80
2025-09-30	1,241,743	1,072,502	856,551	1.19	15.10	3.91
2025-12-31	1,235,216	1,035,231	848,891	1.09	13.35	4.03
2026-03-31	1,272,143	1,132,671	861,495	1.13	11.92	4.33
2026-06-30	1,296,076	1,062,849	878,746	1.26	13.08	4.35

Structure and branch footprint

9 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2018-12-08	1	605973	150727

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.