BlastPoint's Banking Scorecard
The Richwood Banking Company
Community
Specialty: Commercial
OH
FDIC cert 12978
Richwood, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Richwood Banking Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 39% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.4% YoY
-0.5% QoQ
|
-$156.2M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$848.9M
+7.0% YoY
-0.9% QoQ
|
-$126.6M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$1.0B
-3.0% YoY
-3.5% QoQ
|
-$129.4M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.09%
+20.6% YoY
-7.7% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
4.03%
+12.5% YoY
+3.0% QoQ
|
+0.36% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
56.01%
-18.5% YoY
+10.0% QoQ
|
-6.62% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.47%
+157.6% YoY
-1.9% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
82.00%
+10.3% YoY
+2.7% QoQ
|
-1.06% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
10.17%
+11.7% YoY
+17.8% QoQ
|
-10.88% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+171.8% YoY
-2.3% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.66%
+3.6% YoY
+2.5% QoQ
|
+3.41% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
1.44%
+170.0% YoY
+10.4% QoQ
|
+0.70% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#145 of 371 · Top 39% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.44%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.09%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Risk Growth
risk
#290 of 642 · Bottom 45% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.44% · Tier avg: 0.74%
72
72th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
70
70th pctile
Efficiency Ratio
Current: 56.01% · Tier avg: 62.63%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.66% · Tier avg: 10.24%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $848.9M · Tier avg: $975.5M
58
58th pctile
Loan-to-Deposit Ratio
Current: 82.00% · Tier avg: 83.06%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
47
47th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.17% · Tier avg: 21.05%
Top Weaknesses
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.17% · Tier avg: 21.05%
47
47th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
58
58th pctile
Loan-to-Deposit Ratio
Current: 82.00% · Tier avg: 83.06%
61
61th pctile
Total Loans
Current: $848.9M · Tier avg: $975.5M
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
64
64th pctile
Tier 1 Capital Ratio
Current: 13.66% · Tier avg: 10.24%
70
70th pctile
Efficiency Ratio
Current: 56.01% · Tier avg: 62.63%
72
72th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
93
93th pctile
Non-Interest Income / Assets
Current: 1.44% · Tier avg: 0.74%