The Richwood Banking Company
Richwood, OH
IDRSSD: 150727
Total Assets
$1.24B
Latest filing
Total Deposits
$1.04B
Latest filing
Net Interest Margin
4.37%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
044106588RICHWOOD, OH
Key People
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Locations
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Main Office
The Richwood Banking Company
28 N Franklin St
Richwood, OH 43344
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1867FDIC Certificate 8201
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Richwood Banking Company (Main) | 28 N Franklin St | Richwood, OH |
| LARUE BRANCH | 26 High Street | Larue, OH |
| PLAIN CITY BRANCH | 601 W Main St | Plain City, OH |
| MARYSVILLE BRANCH | 249 W 5th St | Marysville, OH |
| LIMESTONE OFFICE | 2454 N Limestone St | Springfield, OH |
| WEST MAIN BRANCH | 63 W Main St | Springfield, OH |
| HUNTSVILLE BRANCH | 4848 Napoleon St | Huntsville, OH |
| DELAWARE BRANCH | 1512 W William St | Delaware, OH |
Showing 7 of 8
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 | 07/01/1867 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43344 |
| State and County Number | 39159 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Columbus, OH |
Operational Info
| Number of Employees | 204 |
| Domestic Offices | 9 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.richwoodbank.com |
| Data Updated | 01/30/2026 |
| CERT | 12978 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.24B |
| Total Deposits | $1.04B |
| Total Liabilities | $1.12B |
| Total Equity Capital | $118.64M |
| Net Income | $2.54M |
| Net Loans and Leases | $848.89M |
| Assets Per Employee ($Millions) | $6.24M |
| Bank Premises and Fixed Assets | $27.98M |
| Cash and Balances due from Depository Institutions | $27.03M |
| Deposits Held in Domestic Offices | $1.04B |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 8.76% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 74.02% |
| Tier 1 Risk-Based Capital Ratio | 13.657% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.605% |
| Earning Assets to total Assets | 91.65% |
Income and Expense
| Total Interest Income | $16.50M |
| Total Noninterest Income | $1.58M |
| Total Interest Expense | $4.10M |
| Total Noninterest Expense | $10.40M |
| Net Interest Income | $12.40M |
| Pre-tax Net Operating Income | $3.06M |
| Provision for Credit Losses | $521.00k |
| 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 | $59.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.34M |
| Total Liabilities and Capital | $1.24B |
Securities
| Securities | $268.06M |
| Available-for-sale debt securities | $264.60M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.46M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Richwood Banking Company?
$1.24B as of the latest filing.
How much are The Richwood Banking Company's total deposits?
$1.04B in total deposits.
Where is The Richwood Banking Company located?
Richwood, OH.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
9.
When was it established?
07/01/1867.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$848.89M (latest filing).
What is the total interest income (latest filing)?
$16.50M.