BlastPoint's Banking Scorecard
Richton Bank & Trust Company
Micro
Specialty: Other
MS
FDIC cert 11817
Designations: ✓ Community bank
Richton, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Richton Bank & Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.4M
-1.3% YoY
+1.4% QoQ
|
-$166.1M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$20.3M
+5.4% YoY
-3.7% QoQ
|
-$118.9M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$42.4M
-4.0% YoY
+1.3% QoQ
|
-$141.2M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.84%
+72.0% YoY
-3.6% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.33%
+9.9% YoY
+0.1% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
80.30%
-8.1% YoY
+0.4% QoQ
|
+12.57% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
47.80%
+9.7% YoY
-4.9% QoQ
|
-26.73% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.05%
+4.4% YoY
+5.2% QoQ
|
+11.66% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.60%
+2.7% YoY
+1.2% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.60%
+10.4% YoY
+16.5% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.80% · Tier avg: 74.53%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.05% · Tier avg: 22.39%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
20
20th pctile
Efficiency Ratio
Current: 80.30% · Tier avg: 67.73%
8
8th pctile
Total Deposits
Current: $42.4M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $51.4M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.3M · Tier avg: $139.2M
Top Weaknesses
7
7th pctile
Total Loans
Current: $20.3M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $51.4M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $42.4M · Tier avg: $183.7M
20
20th pctile
Efficiency Ratio
Current: 80.30% · Tier avg: 67.73%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.05% · Tier avg: 22.39%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.80% · Tier avg: 74.53%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%