The Richwood Banking Company: how it compares with its peers
Against 28 OH banks with half to twice its assets, The Richwood Banking Company's strongest measure in Q2 2026 is net interest margin (4.35% vs. a 3.78% peer median). Its weakest relative measure is efficiency ratio (63.95% vs. 59.35%).
| Measure | The Richwood Banking Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.20% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 3.78% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.95% | 59.35% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.2M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.68% | 81.87% | Context |
What it means for lending operations
Its efficiency ratio of 63.95% is above the 59.35% 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
- The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH · $1.30B
- Signature Bank, National Association Toledo, OH · $1.31B
- Consumers National Bank Minerva, OH · $1.28B
- The Merchants National Bank Hillsboro, OH · $1.27B
- First State Bank Winchester, OH · $1.24B
- Guardian Savings Bank West Chester, OH · $1.39B
Questions about The Richwood Banking Company
How big is The Richwood Banking Company?
The Richwood Banking Company, established in 1867, is headquartered in Richwood, OH. It reported $1.30B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The Richwood Banking Company's return on assets?
1.26% annualized in Q2 2026, against a 1.20% median for 28 OH banks with half to twice its assets, ahead of 54% of them.
What is The Richwood Banking Company's efficiency ratio?
63.95% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 59.35%, and lower is better.
Is The Richwood Banking Company growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits shrank 0.3%.
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 OH 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 Ohio bank ranked.