Is Richwood Banking Co Safe?
Richwood Banking Co has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (97/100), while profitability is its weakest area (63/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.74% | 83/100 |
| Nonperforming Loan Ratio | 0.15% | 97/100 |
| Liquidity Ratio | 27.36% | 89/100 |
| Return on Assets | 1.07% | 63/100 |
| Total Assets | $1.2B | |
How does Richwood Banking Co compare?
With a Bank Health Score of 87/100, Richwood Banking Co sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Ohio, where 144 FDIC-insured banks are headquartered, Richwood Banking Co ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 12.74% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.15% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Richwood Banking Co's Bank Health Score improved by 8.0 points to 87/100. Tier 1 capital strengthened by 0.86 percentage points to 12.74%. Quarter-over-quarter, the score rose by 3.0 points.
Richwood Banking Co has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (97/100), while profitability is its weakest area (63/100).