Richland County Bank is a state-chartered bank headquartered in Richland Center, Wisconsin, in business for about 145 years. At the end of Q2 2026 it reported $114.1M in total assets and $96.0M in deposits, with 1 office.
Richland County Bank has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 3rd. Capital cushion contributes the most (100/100, 17.77%); earnings contributes the least (81/100, 1.51%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (93 → 96), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 92 |
| Q4 2024 | 92 |
| Q1 2025 | 93 |
| Q2 2025 | 93 |
| Q3 2025 | 94 |
| Q4 2025 | 94 |
| Q1 2026 | 96 |
| Q2 2026 | 96 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.04% |
| Q3 2024 | 19.04% |
| Q4 2024 | 17.89% |
| Q1 2025 | 16.90% |
| Q2 2025 | 17.74% |
| Q3 2025 | 17.81% |
| Q4 2025 | 18.26% |
| Q1 2026 | 18.01% |
| Q2 2026 | 17.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.10% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 96 | $114.1M | 17.77% | 0.00% | 1.51% | 51.3% |
| Q1 2026 | 96 | $113.6M | 18.01% | 0.00% | 1.45% | 49.8% |
| Q4 2025 | 94 | $109.9M | 18.26% | 0.00% | 1.24% | 50.1% |
| Q3 2025 | 94 | $107.4M | 17.81% | 0.00% | 1.20% | 52.0% |
| Q2 2025 | 93 | $108.7M | 17.74% | 0.00% | 1.14% | 49.5% |
| Q1 2025 | 93 | $111.5M | 16.90% | 0.00% | 1.10% | 46.2% |
| Q4 2024 | 92 | $110.5M | 17.89% | 0.00% | 0.99% | 46.0% |
| Q3 2024 | 92 | $106.9M | 19.04% | 0.00% | 0.95% | 48.8% |
| Q2 2024 | 92 | $106.9M | 19.04% | 0.00% | 0.96% | 46.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union State BankBank West Salem, WI | 82 out of 100, Strong | $117.6M | 12.2% | 0.14% | vs |
| Headwaters State BankBank Land O' Lakes, WI | 47 out of 100, Below average | $122.5M | 11.2% | 6.35% | vs |
| The International Bank of AmherstBank Amherst, WI | 98 out of 100, Very strong | $103.6M | 14.4% | 0.00% | vs |
| Black River Country BankBank Black River Falls, WI | 69 out of 100, Moderate | $101.8M | 8.9% | 0.29% | vs |
| Conservation First BankBank Benton, WI | 82 out of 100, Strong | $127.5M | 14.0% | 0.74% | vs |
| KeySavings BankBank Wisconsin Rapids, WI | 68 out of 100, Moderate | $129.5M | 9.4% | 0.07% | vs |
Deposit insurance
Is my money safe at Richland County Bank?
Yes. Richland County Bank is an FDIC-insured institution (FDIC certificate #15092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.5% of deposits ($12.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Richland County Bank lists 1 office in 1 city. Most locations:
- Richland Center, WI (1)
Identity & history
Profile
- Legal name
- Richland County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15092
- RSSD ID
- 331544
- Primary regulator
- FDIC
- Holding company
- Richland County Bancshares Inc
- Established
- January 1, 1881
- Headquarters
- 195 W Court St, Richland Center, WI 53581
- Website
- www.richlandcountybank.com
- Employees
- 24
Quick answers
Richland County Bank: common questions
Is Richland County Bank FDIC insured?
Yes. Richland County Bank is an FDIC-insured institution (FDIC certificate #15092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Richland County Bank's TellerScore?
96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Richland County Bank ever failed?
There is no failure record for FDIC certificate #15092 in the FDIC failed bank list.
How many branches does Richland County Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richland Center
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oakdale Credit UnionCredit union Oakdale, WI | 95 out of 100, Very strong | $132.4M | 13.3% | 0.00% | vs |
| The Peoples Community BankBank Mazomanie, WI | 87 out of 100, Very strong | $388.8M | 12.8% | 0.14% | vs |
| Peoples State BankBank Prairie Du Chien, WI | 80 out of 100, Strong | $993.0M | 11.5% | 0.21% | vs |
| Royal BankBank Elroy, WI | 79 out of 100, Strong | $816.1M | 10.5% | 0.06% | vs |
| Community First BankBank Boscobel, WI | 78 out of 100, Strong | $634.1M | 11.0% | 0.32% | vs |
| Westby Co-Op Credit UnionCredit union Westby, WI | 77 out of 100, Strong | $1.0B | 15.6% | 1.44% | vs |