# RICHWOOD BANKING CO
RICHWOOD, OH · FDIC certificate 12978 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.30B | |
| Deposits | $1.06B | |
| Loans and leases | $888.2M | |
| Total equity | $128.3M | |
| Loans / deposits | 82.68% (p39 of band) | 87.10% |
| Liquid assets / assets | 24.76% (p63 of band) | |
| Uninsured deposits / deposits | 22.31% (p22 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.59% (p52 of band) | |
| FHLB advances / assets | 6.56% | |
| Tier 1 leverage | 10.76% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -21.03% (p18 of band) | -7.75% |
| AOCI / equity | 1.14% (p96 of band) | |
| ROA (annualized) | 1.26% (p50 of band) | 1.26% |
| Net interest margin | 4.35% (p83 of band) | 3.70% |
| Efficiency ratio | 63.95% (p66 of band) | |
| Noncurrent loans | 1.28% (p80 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p59 of band) | |
| Reserve coverage of noncurrent | 82.97% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 20.17% (p18 of band) | |
| Auto loans | $2.0M (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 195 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 2 | construction >100% equity |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | capital falling | construction >100% equity |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 3 | noncurrent p90 |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 0 |  | capital falling, reserve under noncurrent, noncurrent p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 3 | construction >100% equity, uninsured deposits leaving |  |
| 2023-12 | 4 | wholesale funding >15%, deposits shrinking | construction >100% equity |
| 2024-03 | 2 |  | wholesale funding >15%, deposits shrinking |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-05-04 [Top Workplaces special award for Leadership: Richwood Bank - Columbus CEO](https://news.google.com/rss/articles/CBMiugFBVV95cUxNVDEtYlkyd1FEWDAtaV9DaTJNMlpRRkJ2N2wzMzdLQUJxYjBVQUxXWlY0T29Ed2kyQWd3WE9BM3FnMDU2TjVzYjQ3azF2WEdyY1I2MndmWXpTbExIbGxVT0hPNWNEOHZGREFiWVFvQ01Xbkg0d1BTUTFUY0RRWXhodmhSdjl3UHZ6V0hEQ1k5UDVTTDYtVHNUaXZYZTNVQzdkTUEzY0oxdUR0R1h3Qkp0QlRneXhZMWhkSHc?oc=5) · Columbus CEO
- 2026-03-26 [16 Organizations Win Special Awards in Columbus CEO’s Top Workplaces 2026 - Columbus CEO](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNOHI4U1JQTmpiNXE3aVFuSURVNDU4bDBWTzJ0cjZLaHRWVUE4SzFzb3p6amlsOTJtN21fNWtGU1pRM1NyRE5pWUlZUjRuVURjSEM3Z3JYMi1Rc0d1cFpBVjQ0NEVIY2dDaGptU3J6SEgzX09pVHhqTnoxMlhBU2dDdTNuZHBKSlNDd0k5QVZ5QVRZZEVLZ2wtenJieE1oT3UxWEk3eEJualh0MGowT2NVS2l5OU5fdFJlTXMySjh0eXdaeGN3OS1JUktLUjNVMkRYQ0NrQzRTcmE?oc=5) · Columbus CEO
- 2025-03-28 [Columbus CEO’s Top Workplaces 2025: These 81 Highly Ranked Employers Made the Winners List - Columbus CEO](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPUzFLYlloa1hpR29YX3daZXFmQ1lrbV9PYTV4NE5MYW0yU0FFd0VHQ25nVUpQMnJuMTE2aUk3RURjSUZRU1diaHNhWUlrbkZFYWpyaEVXVERIY1MyS29CRkhsQXUtQ1d6a3lzQlM4OUdZSE5EWVBFcXpqVDQzcmp0VldYTE9yUC1wTVlrYjhkNElGX3IyaVQ1cXhRb2VIVEg0RV9UcTZ4QWRnMEpsZWhzV3BsY1NEMy1hV1R2WHoyamhTaGs3VHZLeTdBNkxhWjFGYVlnSTJkb1U?oc=5) · Columbus CEO

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12978 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "12978", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide