# RICHLAND STATE BANK
RAYVILLE, LA · FDIC certificate 8526 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $306.9M | |
| Deposits | $269.6M | |
| Loans and leases | $200.7M | |
| Total equity | $34.1M | |
| Loans / deposits | 73.80% (p27 of band) | 86.40% |
| Liquid assets / assets | 29.78% (p70 of band) | |
| Uninsured deposits / deposits | 21.42% (p50 of band) | 21.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.53% (p70 of band) | 10.49% |
| Unrealized securities loss / equity | -3.31% (p50 of band) | -3.26% |
| AOCI / equity | -2.50% (p39 of band) | |
| ROA (annualized) | 1.60% (p82 of band) | 1.12% |
| Net interest margin | 4.53% (p89 of band) | 3.75% |
| Efficiency ratio | 67.59% (p56 of band) | |
| Noncurrent loans | 0.65% (p58 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p58 of band) | |
| Reserve coverage of noncurrent | 137.25% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 42.28% (p50 of band) | |
| Auto loans | $1.3M (0.64% of loans; DQ 1.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |

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

- 2018-06-04 [Business First to acquire Richland State Bank - Minden Press-Herald](https://news.google.com/rss/articles/CBMie0FVX3lxTE1kUEQzY1VfMThMZTdFR3NvRjlCSV9WYy1fSE43MjY3VlZyMnpOWTlDV1NhaE5kSmJlYmNzT3U1VkZmYXV1eXZmV0g4b0I0VmZVYWxZT2hJRjlZQTNxbVlMNm81WjhkaVJYY2FSdDZTNGVFbU4wMFFqREpHNA?oc=5) · Minden Press-Herald
- 2015-02-03 [Colvin named president of Richland State Bank - thenewsstar.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxON0Z2Qk9pUVhxTVozYmY1MmgwUlhDX19OeGRzRXI3dlpUSHhVdlp4OVlFZVI3d3FRbzIwa1ZCNGJDR1ZXa1M0SjEyRGdPSnkwejUwVkRiMy1SQ0FJXzlZNnVwcHJ4LUFqODA3XzA0akJzdmtfcGpvQzZ3OHVGS3J6XzVRVGNIbGNLaFNZcEJfM3JHUElBVEhSb2Q5ZURLelY3cURzVnkyaVpURUxR?oc=5) · thenewsstar.com
- 2018-12-04 [Business First completes acquisition of Richland State Bank - Minden Press-Herald](https://news.google.com/rss/articles/CBMijgFBVV95cUxQS2QxNzNUTTNFNE5yd2cwT1UyZlM2WFFiNUY2UE5rVmpHQmQ0SVNoenZFMDV2WlpocnpsNjZKVHNvSHNUdWlYWlRLSmhsZmpmX2tDeTQ3cWNOSlJlWEFSWFZnZDl1ZC1UMWVwSXpCNXJoOUF2anJlcVUzTGI3Uk9MdnJPUVdPTEp6X2NUeGhR?oc=5) · Minden Press-Herald
- 2020-01-21 [Charles Jasper Archibald Obituary Jan 21, 2020 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE1BTlpWb1hwWkd3cEh3UmtZSDQ2WUhmMXlOS2NxTFRKekVFNVAycTFnYVVtS2NUTW1mMnNJTmE2SU5CQzV6Qm1ONHlJOEJQSzdtNTBja1YwbDEyWUt3QmlUSzIwWTlSWEI4SWJkZE4zOERkNVNfWjNCVUdLZw?oc=5) · Mulhearn Funeral Home
- 2010-08-31 [BARNA GANT GOFF - AL.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZTdlcDg1VGNfRHFFQjMzT1A4QzhPSkppcmxXQTM3eHNvRGFTN0lCRFlKN1dqV04xZ3VheDZjSlB6RDFrMEdHVTdIRFJULUc3bE43S3F4VEMteGVkdDlZZU5Pd21aLWwtUEZoYWptZzZaY00yVXhXNDdWaVVBTjdHRHM5NG0wdmowc2c?oc=5) · AL.com
- 2021-12-29 [Virginia Moore Obituary Dec 29, 2021 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE1WOUduV2I2MTd4STVUakdtQzZ0S2JST2tjZDVrXzNXM3lwV1J5LUhfTEFjWm9Mbm9nNDlsS044Qk9ObDRpUUtzbWhnNzFwSHNVaXB1UmlyMko5NnVjN1FHUHlaQWpfZm8xeWtNVTR3?oc=5) · Mulhearn Funeral Home
- 2020-01-22 [Charles Jasper Archibald Obituary - thenewsstar.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9rTlFha2xCYzJpZWIySnNtY0VuYnVCSFBGWHoydFd2OFhaaGgwVDdud0hFWGs1RmlZY1JRU2hEZjJsR1ozQlFUdURIX01wUWxlaFVRaTFYRnhabmFU?oc=5) · thenewsstar.com
- 2015-02-16 [Janice Taylor Obituary (1938 - 2015) - Baskin, LA - The News Star - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxORjJEbGcwT0EyWmpyU1A4b21BMWQ5NlZ0cTkyTWVweUkyaUtiUzNZLTZHc3B2bDhXNUIzN1pwbjFTQ01YR2lJWGh4LXlHenQwUUgwVVJMNlA4UVBtY0lfWjFiLVMtNXd5R2pqQUdzeVgxQmZveC1uV3NzTlNVQ05LR2lJS1pNaVhfZ1h0S0hhVVkxdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8526 (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/14.json (key "8526", 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