Richton Bank & Trust Company
Total assets
$52.0M
▲ +2.4% YoY
Deposits
$43.1M
▲ +1.6% YoY
Loans
$20.4M
▲ +6.7% YoY
Offices
2
CENTON BCORP INC
ROA (annualized)
0.79%
peers 0.99%
ROE (annualized)
5.16%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.0% | -0.7 pts |
| Deposit growth (YoY) | +1.6% | +2.5% | -0.9 pts |
| Loan growth (YoY) | +6.7% | +2.6% | +4.1 pts |
| ROA | 0.79% | 0.99% | -0.2 pts |
| ROE | 5.2% | 8.1% | -2.9 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
Profile
- Established
- 1931
- Charter
- State
- Primary regulator
- FED
- Holding company
- CENTON BCORP INC
- Specialization
- All Other Under 1 Billion
- Address
- 114 South Front Street, Richton, MS, 39476
- County
- Perry
- Metro area
- Hattiesburg, MS
- Offices
- 2
- FDIC cert #
- 11817
- RSSD ID
- 40033
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.0M | $43.1M | $20.4M | $8.1M | $208K | 0.79% | 4.40% | 0.59% |
| Q1 2026 | $53.8M | $45.1M | $19.8M | $7.9M | $96K | 0.73% | 4.33% | 0.56% |
| Q4 2025 | $51.4M | $42.4M | $20.3M | $8.1M | $432K | 0.84% | 4.33% | 0.60% |
| Q3 2025 | $50.6M | $41.9M | $21.0M | $7.9M | $336K | 0.87% | 4.32% | 0.59% |
| Q2 2025 | $50.8M | $42.4M | $19.1M | $7.5M | $185K | 0.72% | 4.17% | 0.60% |
| Q1 2025 | $52.1M | $44.1M | $18.2M | $7.3M | $86K | 0.66% | 4.00% | 0.64% |
| Q4 2024 | $52.0M | $44.2M | $19.2M | $7.2M | $253K | 0.49% | 3.94% | 0.58% |
| Q3 2024 | $51.6M | $43.5M | $20.4M | $7.4M | $142K | 0.37% | 3.85% | 0.52% |
Loan mix (Q2 2026): real estate $15.0M · commercial $5.1M · consumer $1.1M · securities $17.2M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.99% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 8.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.88% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 70.8% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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