The Richwood Banking Company

Overview / Commentary

www.richwoodbank.com

740-943-2317

28 North Franklin Street
Richwood, OH 43344

The Richwood Banking Company is headquartered in Richwood and is the 36^th largest bank in the state of Ohio. It is also the 1,015^th largest bank in the nation. It was established in 1867 and as of December of 2020, it had grown to 159 employees at 8 locations. The Richwood Banking Company has a B+ health rating.

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Health

B+

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	12978
Year Established	1867
Employees	159
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.73%
Return on Equity - YTD	7.06%
Annual Interest Income	$34.2MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$892.0MM$732.6MM
Loans	Q4 2020vs Q4 2019	$589.4MM$508.9MM
Deposits	Q4 2020vs Q4 2019	$794.1MM$635.0MM
Equity Capital	Q4 2020vs Q4 2019	$86.0MM$80.1MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$7.2MM$3.1MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$11.1MM$3.9MM
Real Estate Owned	Q4 2020vs Q4 2019	$20.00K$20.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Richwood Banking Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	-	$10k	Thrive Checking Account
OTHER TIERS: 0.10% → $10k+

Locations

The Richwood Banking Company Locations
Delaware Branch	1512 West William St.	Delaware, OH 43015
Marysville Branch	249 West Fifth Street	Marysville, OH 43040
Larue Branch	26 High Street	Larue, OH 43332
The Richwood Banking Company	28 North Franklin Street	Richwood, OH 43344
Huntsville Branch	4848 Napoleon St.	Huntsville, OH 43324
Plain City Branch	601 West Main Street	Plain City, OH 43064
Limestone Office	2454 North Limestone Street	Springfield, OH 45503
West Main Branch	63 West Main Street	Springfield, OH 45502

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