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Richland County Bank

Richland Center, WI
IDRSSD: 331544
Total Assets
$107.42M
Latest filing
Total Deposits
$90.21M
Latest filing
Net Interest Margin
3.70%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1881
Community BankYes
Ownership TypeNot Mutual
ZIP53581
State and County Number55103
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees25
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance04/12/1935
Primary Insurance AgencyDIF
Websitewww.richlandcountybank.com
Data Updated11/14/2025
CERT15092
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$107.42M
Total Deposits$90.21M
Total Liabilities$90.55M
Total Equity Capital$16.87M
Net Income$351.00k
Net Loans and Leases$46.87M
Assets Per Employee ($Millions)$4.13M
Bank Premises and Fixed Assets$1.54M
Cash and Balances due from Depository Institutions$4.22M
Deposits Held in Domestic Offices$90.21M

Key Performance Ratios

Return on Assets (ROA)1.3%
Return on Equity (ROE)8.49%
Net Interest Margin3.7%
Efficiency Ratio65.93%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets15.703%
Earning Assets to total Assets92.58%

Income and Expense

Total Interest Income$1.15M
Total Noninterest Income$118.00k
Total Interest Expense$222.00k
Total Noninterest Expense$689.00k
Net Interest Income$927.00k
Pre-tax Net Operating Income$356.00k
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$52.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$337.00k
Total Liabilities and Capital$107.42M

Securities

Securities$50.20M
Available-for-sale debt securities$50.20M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Richland County Bank?
$107.42M as of the latest filing.
How much are Richland County Bank's total deposits?
$90.21M in total deposits.
Where is Richland County Bank located?
Richland Center, WI.
What is the Net Interest Margin?
3.70%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1881.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$46.87M (latest filing).
What is the total interest income (latest filing)?
$1.15M.