Richland County Bank: how it compares with its peers
Against 35 WI banks with half to twice its assets, Richland County Bank's strongest measure in Q2 2026 is return on assets (1.51% vs. a 1.25% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.5M).
| Measure | Richland County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.25% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 3.95% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.71% | 65.01% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.5M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.27% | 84.92% | Context |
What it means for lending operations
Its efficiency ratio of 61.71% is better than the 65.01% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Union State Bank West Salem, WI · $118M
- Headwaters State Bank Land O' Lakes, WI · $122M
- The International Bank of Amherst Amherst, WI · $104M
- Black River Country Bank Black River Falls, WI · $102M
- Conservation First Bank Benton, WI · $127M
- Superior Savings Bank Superior, WI · $99M
Questions about Richland County Bank
How big is Richland County Bank?
Richland County Bank, established in 1881, is headquartered in Richland Center, WI. It reported $114M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Richland County Bank's return on assets?
1.51% annualized in Q2 2026, against a 1.25% median for 35 WI banks with half to twice its assets, ahead of 74% of them.
What is Richland County Bank's efficiency ratio?
61.71% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 65.01%, and lower is better.
Is Richland County Bank growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 4.1%.
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 WI 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 Wisconsin bank ranked.