Total Assets
$51M
Total balance-sheet footings
FDIC Cert #11817 · Richton, Mississippi · Est. 1931
Richton Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Richton Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $51M
- Total assets
- B
- Health grade · Good
- 0.84%
- Return on assets
- 16.9%
- Tier 1 capital
Data updated July 2026
The verdict
Richton Bank & Trust Company earns a PlainBankData health grade of B (74/100), with well-capitalized at 16.92% Tier 1, 0.84% ROA, 80% efficiency ratio.
- #4,127
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 16.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Richton Bank & Trust Company's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Richton Bank & Trust Company's composite health score
Tier 1 Capital Ratio (16.92%) 40/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (80.30%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$42M
Customer-funded liabilities
Net Loans
$20M
Outstanding loan book
Net Income
$432K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Richton Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Richton Bank & Trust Company's score of 74/100 falls in the highlighted band.
Richton Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Richton Bank & Trust Company's $51M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.92%
Texas Ratio
0.00%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
5.67%
Efficiency Ratio
80.30%
What the numbers say about Richton Bank & Trust Company
Richton Bank & Trust Company is an FDIC-insured institution (Certificate #11817) headquartered in Richton, Mississippi, established in 1931. It holds $51M in total assets - 4,127th of 4,313 FDIC-insured banks, $42M in customer deposits, and $20M in net loans. Capital-wise, the Tier 1 ratio sits at 16.92%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Richton Bank & Trust Company is a community-scale institution -- 57th of 57 FDIC-insured banks headquartered in Mississippi by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$306K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Richton Bank & Trust Company reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Richton Bank & Trust Company (FDIC Cert #11817) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is Richton Bank & Trust Company's health grade?▼
Richton Bank & Trust Company receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Richton Bank & Trust Company?▼
Richton Bank & Trust Company holds $51M in total assets and $42M in deposits, ranking 4,127th of 4,313 FDIC-insured banks by asset size. It is headquartered in Richton, Mississippi.
Is my money safe at Richton Bank & Trust Company?▼
Yes, deposits at Richton Bank & Trust Company (Certificate #11817) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Richton Bank & Trust Company's Tier 1 Capital Ratio?▼
Richton Bank & Trust Company has a Tier 1 Capital Ratio of 16.92%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Richton Bank & Trust Company?▼
Richton Bank & Trust Company has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Richton Bank & Trust Company?▼
Richton Bank & Trust Company has an Efficiency Ratio of 80.30%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Richton Bank & Trust Company's profile as a depositor or analyst.
- Richton Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Richton Bank & Trust Company against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.