Richton Bank & Trust Company
Richton, MS
IDRSSD: 40033
Total Assets
$50.63M
Latest filing
Total Deposits
$41.88M
Latest filing
Net Interest Margin
4.68%
Profitability
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39476 |
| State and County Number | 28111 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Hattiesburg, MS |
Operational Info
| Number of Employees | 11 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/03/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.richtonbank.com |
| Data Updated | 11/14/2025 |
| CERT | 11817 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $50.63M |
| Total Deposits | $41.88M |
| Total Liabilities | $42.73M |
| Total Equity Capital | $7.90M |
| Net Income | $151.00k |
| Net Loans and Leases | $21.05M |
| Assets Per Employee ($Millions) | $4.6M |
| Bank Premises and Fixed Assets | $2.15M |
| Cash and Balances due from Depository Institutions | $4.05M |
| Deposits Held in Domestic Offices | $41.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 7.83% |
| Net Interest Margin | 4.68% |
| Efficiency Ratio | 74.83% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.6% |
| Earning Assets to total Assets | 85.71% |
Income and Expense
| Total Interest Income | $570.00k |
| Total Noninterest Income | $98.00k |
| Total Interest Expense | $68.00k |
| Total Noninterest Expense | $449.00k |
| Net Interest Income | $502.00k |
| Pre-tax Net Operating Income | $151.00k |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $851.00k |
| Total Liabilities and Capital | $50.63M |
Securities
| Securities | $18.98M |
| Available-for-sale debt securities | $18.98M |
| 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 Richton Bank & Trust Company?
$50.63M as of the latest filing.
How much are Richton Bank & Trust Company's total deposits?
$41.88M in total deposits.
Where is Richton Bank & Trust Company located?
Richton, MS.
What is the Net Interest Margin?
4.68%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$21.05M (latest filing).
What is the total interest income (latest filing)?
$570.00k.