The Richwood Banking Company (FDIC certificate #12978) is based in Richwood, Ohio. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in deposits and 9 offices.
The Richwood Banking Company has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 109th. Problem-loan coverage contributes the most (83/100, 8.3%); loan quality contributes the least (57/100, 1.28%).
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 fell 6 points (70 → 64), mostly because the loan quality component weakened by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 64 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.02% |
| Q3 2024 | 9.09% |
| Q4 2024 | 9.64% |
| Q1 2025 | 9.54% |
| Q2 2025 | 9.98% |
| Q3 2025 | 10.15% |
| Q4 2025 | 10.39% |
| Q1 2026 | 10.46% |
| Q2 2026 | 10.76% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.49% |
| Q2 2026 | 1.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.98% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.09% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $1.3B | 10.76% | 1.28% | 1.26% | 82.7% |
| Q1 2026 | 71 | $1.3B | 10.46% | 0.49% | 1.13% | 76.1% |
| Q4 2025 | 69 | $1.2B | 10.39% | 0.46% | 1.09% | 82.0% |
| Q3 2025 | 69 | $1.2B | 10.15% | 0.47% | 1.19% | 79.9% |
| Q2 2025 | 70 | $1.2B | 9.98% | 0.26% | 1.04% | 78.1% |
| Q1 2025 | 69 | $1.3B | 9.54% | 0.33% | 0.98% | 71.5% |
| Q4 2024 | 69 | $1.2B | 9.64% | 0.18% | 0.91% | 74.4% |
| Q3 2024 | 68 | $1.3B | 9.09% | 0.19% | 0.91% | 70.1% |
| Q2 2024 | 67 | $1.2B | 9.02% | 0.15% | 0.88% | 73.7% |
897 peers · $1 billion – $10 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 Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH | 69 out of 100, Moderate | $1.3B | 10.2% | 0.84% | vs |
| Signature Bank, National AssociationBank Toledo, OH | 69 out of 100, Moderate | $1.3B | 12.4% | 0.84% | vs |
| Consumers National BankBank Minerva, OH | 65 out of 100, Moderate | $1.3B | 8.4% | 0.07% | vs |
| The Merchants National BankBank Hillsboro, OH | 64 out of 100, Moderate | $1.3B | 8.9% | 0.53% | vs |
| First State BankBank Winchester, OH | 70 out of 100, Strong | $1.2B | 10.5% | 0.86% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
Deposit insurance
Is my money safe at The Richwood Banking Company?
Yes. The Richwood Banking Company is an FDIC-insured institution (FDIC certificate #12978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.3% of deposits ($237.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.76% (benchmark: 10%).
9 locations
Branches
The Richwood Banking Company lists 9 offices in 8 cities. Most locations:
- Springfield, OH (2)
- Bellefontaine, OH (1)
- Delaware, OH (1)
- Huntsville, OH (1)
- Larue, OH (1)
- Marysville, OH (1)
- Plain City, OH (1)
- Richwood, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Richwood Banking Company reported 204 home-loan applications under HMDA (LEI 549300F263I3XPN55P35): 130 originated ($42,720,000 total), 19 denied, and 46 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Richwood Banking Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 12978
- RSSD ID
- 150727
- Primary regulator
- FED
- Holding company
- Richwood Bancshares Inc
- Established
- July 1, 1867
- Headquarters
- 28 N Franklin St, Richwood, OH 43344
- Website
- www.richwoodbank.com
- Employees
- 195
Quick answers
The Richwood Banking Company: common questions
Is The Richwood Banking Company FDIC insured?
Yes. The Richwood Banking Company is an FDIC-insured institution (FDIC certificate #12978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Richwood Banking Company's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Richwood Banking Company ever failed?
There is no failure record for FDIC certificate #12978 in the FDIC failed bank list.
How many branches does The Richwood Banking Company have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| C E S Credit UnionCredit union Mount Vernon, OH | 91 out of 100, Very strong | $244.3M | 13.1% | 0.16% | vs |
| State Highway Patrol Federal Credit UnionCredit union Columbus, OH | 88 out of 100, Very strong | $92.2M | 13.5% | 0.06% | vs |
| Fidelity Federal Savings and Loan Association of DelawareBank Delaware, OH | 82 out of 100, Strong | $131.6M | 17.0% | 0.04% | vs |
| The Mt. Victory State BankBank Mount Victory, OH | 80 out of 100, Strong | $23.4M | 10.4% | 0.00% | vs |
| The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH | 78 out of 100, Strong | $389.9M | 12.6% | 0.01% | vs |