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The Richwood Banking Company

IDRSSD: 150727
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 150727 held $1.3B in total assets as of 2026-03-31 (+3.0% quarter-over-quarter). Total loans stood at $861.5M (+1.5% QoQ) and total deposits at $1.1B (+9.4% QoQ).

Overall position is adequate — the composite Health Score is 52/100 (Adequate). Tier 1 / RWA stands at 12.95%, in the below median of peers. Asset quality (NPL ratio) sits in the below median of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
52/100
Adequate
Active Alerts
3
1 critical, 1 warning
Total Assets
$1.3B
+3.0% QoQ
Total Loans
$861.5M
+1.5% QoQ
Total Deposits
$1.1B
+9.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.95%
37th pctile · n=340↑ better
-70 bp QoQ
CET1 / RWA
12.95%
58th pctile · n=500↑ better
-71 bp QoQ
Total RBC / RWA
13.88%
32th pctile · n=340↑ better
-69 bp QoQ
Tier 1 Leverage Ratio
12.95%
57th pctile · n=500↑ better
-71 bp QoQ

Liquidity

Cash / Assets
1.23%
7th pctile · n=500↑ better
-96 bp QoQ
Loans / Deposits
76.06%
31th pctile · n=497↓ better
-594 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.49%
52th pctile · n=500↓ better
+3 bp QoQ
NPA / Assets
0.34%
48th pctile · n=500↓ better
+1 bp QoQ
Texas Ratio (regulatory)
2.98%
50th pctile · n=500↓ better
+14 bp QoQ
Net Charge-Offs / Avg Loans
0.01%
56th pctile · n=500↓ better
+0 bp QoQ
ALLL Coverage of NPL
211.24%
50th pctile · n=500↑ better
-1091 bp QoQ

Earnings

Net Interest Margin
4.33%
77th pctile · n=500↑ better
-4 bp QoQ
Return on Assets
1.13%
45th pctile · n=500↑ better
+31 bp QoQ
Return on Equity
11.92%
52th pctile · n=500↑ better
+316 bp QoQ
Efficiency Ratio
67.28%
67th pctile · n=500↓ better
-674 bp QoQ
Pre-tax NOI / Avg Assets
1.36%
43th pctile · n=500↑ better
+44 bp QoQ

Funding

Brokered / Deposits
4.88%
66th pctile · n=497↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
18th pctile · n=500↓ better
-528 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
22.24%
74th pctile · n=500↑ better
+54 bp QoQ
AFS Securities / Assets
21.98%
80th pctile · n=500↑ better
+56 bp QoQ
HTM Securities / Assets
0.26%
69th pctile · n=500↑ better
-2 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 07:25:10 UTC