Richwood Banking Co (FDIC #12978): Bank Stress & Real-Estate Credit Exposure
Richwood Banking Co (FDIC Cert #12978): bank stress 66/100, elevated, STABLE over 7 days; parent RICHWOOD BANCSHARES INC.
Richwood Banking Co (#12978) lends in 5 counties across 1 state; Richwood Banking Co (#12978) reaches 85 ZIP codes: Ohio 5 counties, 85 ZIPs.
Richwood Banking Co (#12978) largest markets: Delaware County, OH (24 branches, 24 ZIPs) (#12978), Clark County, OH (46 branches, 23 ZIPs) (#12978), Union County, OH (63 branches, 21 ZIPs) (#12978), Logan County, OH (38 branches, 19 ZIPs) (#12978), Marion County, OH (14 branches, 14 ZIPs) (#12978).
Richwood Banking Co (#12978) reports $1.30 billion in total assets; Richwood Banking Co (#12978) equity $128.3 million (9.9% of Richwood Banking Co (#12978) assets); Richwood Banking Co (#12978) domestic deposits $1.06 billion; Richwood Banking Co (#12978) net income $8.0 million; Richwood Banking Co (#12978) return on assets 1.26%; Richwood Banking Co (#12978) return on equity 13.08%; Richwood Banking Co (#12978) net interest income $25.3 million; Richwood Banking Co (#12978) call report June 30, 2026.
Richwood Banking Co (#12978) noncurrent real-estate loans: none reported; Richwood Banking Co (#12978) net charge-offs on real estate 1.46%; Richwood Banking Co (#12978) multifamily charge-offs 4.70%; Richwood Banking Co (#12978) residential charge-offs 1.99%.
Richwood Banking Co (#12978) net interest margin 4.35% against an eight-quarter Richwood Banking Co (#12978) average of 3.90% (Richwood Banking Co (#12978) compression -0.45 points); Richwood Banking Co (#12978) non-residential real estate 198.9% of equity; Richwood Banking Co (#12978) rate-exposure score 40/100, Richwood Banking Co (#12978) fixed-rate trap 40/100; Richwood Banking Co (#12978) risk type credit driven; Richwood Banking Co (#12978) rate regime rates elevated, Richwood Banking Co (#12978) snapshot October 19, 2026.
Richwood Banking Co (#12978) stress score moved from 68.5 on June 22, 2026 to 65.7 on October 19, 2026; Richwood Banking Co (#12978) ranged 65.7 to 68.5 over 116 snapshots.
Richwood Banking Co (#12978) alerts: 5 counties; top Richwood Banking Co (#12978) alert scores: Delaware County, OH 39 (moderate); Huntsville County, OH 23 (low); La Rue County, OH 23 (low); Richwood County, OH 23 (low); Springfield County, OH 23 (low).