Richton Bank & Trust Company is a state-chartered bank (fed member) headquartered in Richton, Mississippi, in business for about 95 years. At the end of Q2 2026 it reported $52.0M in total assets and $43.1M in deposits, with 2 offices.
Based on its Q2 2026 filing, Richton Bank & Trust Company scores 90/100, which we describe as very strong. That is higher than 89% of 546 banks with under $100 million in assets. Among 57 banks headquartered in Mississippi, it ranks 4th. Its strongest component is capital cushion (100/100; 15.95%), and its lowest is earnings (52/100; 0.79%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (90 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 87 |
| Q4 2024 | 88 |
| Q1 2025 | 87 |
| Q2 2025 | 90 |
| Q3 2025 | 91 |
| Q4 2025 | 91 |
| Q1 2026 | 90 |
| Q2 2026 | 90 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.26% |
| Q3 2024 | 16.17% |
| Q4 2024 | 16.21% |
| Q1 2025 | 15.95% |
| Q2 2025 | 16.31% |
| Q3 2025 | 16.88% |
| Q4 2025 | 16.92% |
| Q1 2026 | 15.70% |
| Q2 2026 | 15.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.24% |
| 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 | 0.27% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $52.0M | 15.95% | 0.00% | 0.79% | 47.4% |
| Q1 2026 | 90 | $53.8M | 15.70% | 0.00% | 0.73% | 43.9% |
| Q4 2025 | 91 | $51.4M | 16.92% | 0.00% | 0.84% | 47.8% |
| Q3 2025 | 91 | $50.6M | 16.88% | 0.00% | 0.87% | 50.3% |
| Q2 2025 | 90 | $50.8M | 16.31% | 0.00% | 0.72% | 45.2% |
| Q1 2025 | 87 | $52.1M | 15.95% | 0.24% | 0.66% | 41.3% |
| Q4 2024 | 88 | $52.0M | 16.21% | 0.00% | 0.49% | 43.6% |
| Q3 2024 | 87 | $51.6M | 16.17% | 0.00% | 0.37% | 47.0% |
| Q2 2024 | 86 | $50.9M | 16.26% | 0.00% | 0.27% | 47.7% |
546 peers · Under $100 million in assets
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 Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Amory First Savings And Loan Bank, SsbBank Amory, MS | 66 out of 100, Moderate | $78.7M | 13.1% | 1.37% | vs |
| Genesis BankBank Benoit, MS | 54 out of 100, Below average | $97.2M | 19.6% | 2.85% | vs |
| Citizens Bank & Trust Co.Bank Marks, MS | 53 out of 100, Below average | $98.6M | 14.0% | 5.50% | vs |
Deposit insurance
Is my money safe at Richton Bank & Trust Company?
Yes. Richton Bank & Trust Company is an FDIC-insured institution (FDIC certificate #11817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.5% of deposits ($4.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.95%, 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%).
2 locations
Branches
Richton Bank & Trust Company lists 1 office in 1 city. Most locations:
- Richton, MS (1)
Identity & history
Profile
- Legal name
- Richton Bank & Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11817
- RSSD ID
- 40033
- Primary regulator
- FED
- Holding company
- Centon Bcorp Inc
- Established
- January 1, 1931
- Headquarters
- 114 South Front Street, Richton, MS 39476
- Website
- www.richtonbank.com
- Employees
- 12
Quick answers
Richton Bank & Trust Company: common questions
Is Richton Bank & Trust Company FDIC insured?
Yes. Richton Bank & Trust Company is an FDIC-insured institution (FDIC certificate #11817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Richton Bank & Trust Company's TellerScore?
90 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 Richton Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #11817 in the FDIC failed bank list.
How many branches does Richton Bank & Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sunbelt Federal Credit UnionCredit union Hattiesburg, MS | 85 out of 100, Very strong | $366.4M | 16.2% | 0.39% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
| Pine Belt Federal Credit UnionCredit union Hattiesburg, MS | 73 out of 100, Strong | $13.9M | 27.2% | 0.72% | vs |
| The Citizens National Bank of MeridianBank Meridian, MS | 70 out of 100, Strong | $1.9B | 11.3% | 0.87% | vs |
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |
| Centuryfirst Federal Credit UnionCredit union Hattiesburg, MS | 66 out of 100, Moderate | $144.9M | 13.9% | 1.80% | vs |