Richland County Bank
Richland Center, WI
IDRSSD: 331544
Total Assets
$109.87M
Latest filing
Total Deposits
$91.82M
Latest filing
Net Interest Margin
3.60%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Richland County Bank
195 W Court St
Richland Center, WI 53581
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1881FDIC Certificate 9469
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Richland County Bank (Main) | 195 W Court St | Richland Center, WI | ||
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 53581 |
| State and County Number | 55103 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 26 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/12/1935 |
| Primary Insurance Agency | DIF |
| Website | www.richlandcountybank.com |
| Data Updated | 01/30/2026 |
| CERT | 15092 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $109.87M |
| Total Deposits | $91.82M |
| Total Liabilities | $92.41M |
| Total Equity Capital | $17.46M |
| Net Income | $375.00k |
| Net Loans and Leases | $45.98M |
| Assets Per Employee ($Millions) | $4.07M |
| Bank Premises and Fixed Assets | $1.51M |
| Cash and Balances due from Depository Institutions | $6.86M |
| Deposits Held in Domestic Offices | $91.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 8.74% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 60.52% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.889% |
| Earning Assets to total Assets | 92.95% |
Income and Expense
| Total Interest Income | $1.13M |
| Total Noninterest Income | $134.00k |
| Total Interest Expense | $223.00k |
| Total Noninterest Expense | $630.00k |
| Net Interest Income | $907.00k |
| Pre-tax Net Operating Income | $381.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $295.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $591.00k |
| Total Liabilities and Capital | $109.87M |
Securities
| Securities | $50.78M |
| Available-for-sale debt securities | $50.78M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$109.87M as of the latest filing.
How much are Richland County Bank's total deposits?
$91.82M in total deposits.
Where is Richland County Bank located?
Richland Center, WI.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1881.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$45.98M (latest filing).
What is the total interest income (latest filing)?
$1.13M.