Richton Bank & Trust Company: how it compares with its peers
Against 533 U.S. banks with half to twice its assets, Richton Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.40% vs. a 3.87% peer median). Its weakest relative measure is assets per employee ($4.3M vs. $6.1M).
| Measure | Richton Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.79% | 1.04% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.87% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.75% | 69.42% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $6.1M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.40% | 67.31% | Context |
What it means for lending operations
Its efficiency ratio of 81.75% is above the 69.42% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Farmers & Merchants Bank of Hutsonville Hutsonville, IL · $52M
- The Mer Rouge State Bank Mer Rouge, LA · $52M
- Echelon Bank Clearwater, FL · $52M
- Talbot State Bank Woodland, GA · $52M
- Rolette State Bank Rolette, ND · $52M
- Lovelady State Bank Lovelady, TX · $53M
Questions about Richton Bank & Trust Company
How big is Richton Bank & Trust Company?
Richton Bank & Trust Company, established in 1931, is headquartered in Richton, MS. It reported $52M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Richton Bank & Trust Company's return on assets?
0.79% annualized in Q2 2026, against a 1.04% median for 533 U.S. banks with half to twice its assets, ahead of 37% of them.
What is Richton Bank & Trust Company's efficiency ratio?
81.75% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 69.42%, and lower is better.
Is Richton Bank & Trust Company growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.