BlastPoint's Banking Scorecard

Richton Bank & Trust Company

under $100M Specialty: Other MS FDIC cert 11817

Designations: ✓ Community bank

Richton, MS

2 branches across MS

537 banks in the under $100M peer group nationally 3 in MS

Richton Bank & Trust Company has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.36% below tier average
+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 4.89% below tier average

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$53.8M +3.1% YoY +4.7% QoQ	-$8.5M	$62.3M -0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.0% YoY	37%
Total Loans ?	$19.8M +8.5% YoY -2.4% QoQ	-$14.5M	$34.3M -1.5% YoY	$1.5B +13.2% YoY	$3.2B +10.7% YoY	27%
Total Deposits ?	$45.1M +2.2% YoY +6.3% QoQ	-$6.8M	$51.8M -0.6% YoY	$1.9B +10.5% YoY	$4.8B +8.0% YoY	37%
Return on Assets ?	0.73% +10.6% YoY -13.1% QoQ	-0.12%	0.86% -3.6% YoY	1.16% +5.3% YoY	1.24% +13.1% YoY	39%
Net Interest Margin ?	4.33% +8.2% YoY +0.1% QoQ	+0.46%	3.87% +2.7% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	82.73% -1.2% YoY +3.0% QoQ	-4.89%	87.63% +2.3% YoY	67.65% -1.2% YoY	66.84% -3.8% YoY	30%
Delinquency Rate ?	0.00% -100.0% YoY	-1.36%	1.36% +33.7% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	43.89% +6.2% YoY -8.2% QoQ	-20.22%	64.11% -0.9% YoY	70.20% +3.2% YoY	76.69% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	31.33% -4.4% YoY -8.0% QoQ	+7.54%	23.79% +0.5% YoY	22.68% -1.8% YoY	22.01% -1.1% YoY	76%
Nonperforming Asset Ratio ?	0.56% -13.4% YoY -7.0% QoQ	-0.22%	0.77% +28.7% YoY	0.74% +0.7% YoY	0.66% +19.3% YoY	36%
Tier 1 Capital Ratio ?	15.70% -1.6% YoY -7.2% QoQ	-11.08%	26.77% +2.0% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.14% -14.6% YoY -76.9% QoQ	-0.53%	0.67% +1.6% YoY	0.17% -9.5% YoY	0.32% +4.0% YoY	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

103

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#103 of 537 Top 19.0% in under $100M

129

Non-Interest-Bearing Deposit Share

funding

Value: 31.33%

Peer Median: 23.79%

#129 of 537 Top 23.8% in under $100M

132

Loan-to-Deposit Ratio

liquidity

Value: 43.89%

Peer Median: 64.11%

#132 of 537 Top 24.4% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available