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 34^th largest bank in the state of Ohio. It is also the 933^rd largest bank in the nation. It was established in 1867 and as of March of 2022, it had grown to 182 employees at 9 locations. The Richwood Banking Company has a B+ health rating.

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Health

B+

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	12978
Year Established	1867
Employees	182
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.82%
Return on Equity - YTD	10%
Annual Interest Income	$8.7MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$1.06B$1.05B
Loans	Q1 2022vs Q1 2021	$570.7MM$598.1MM
Deposits	Q1 2022vs Q1 2021	$973.9MM$959.5MM
Equity Capital	Q1 2022vs Q1 2021	$75.1MM$82.2MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$8.0MM$7.6MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$565.00K$11.2MM
Real Estate Owned	Q1 2022vs Q1 2021	$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 N Franklin St	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
Bellefontaine Branch	120 E Sandusky Ave.	Bellefontaine, OH 43311

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