BlastPoint's Banking Scorecard
Richton Bank & Trust Company
Designations: ✓ Community bank
Richton, MS
2 branches across MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 4 in MS.
- Deposits +1.6% year over year ($43.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.79%.
- Efficiency ratio 81.75% vs a 119.40% peer average.
- Loan-to-deposit ratio 47.40% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Richton Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio 37.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.0M
+2.4% YoY
-3.3% QoQ
|
-$10.5M |
$62.4M
-0.0% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$20.4M
+6.7% YoY
+3.2% QoQ
|
-$14.5M |
$34.9M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$43.1M
+1.6% YoY
-4.4% QoQ
|
-$8.5M |
$51.6M
-0.2% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
0.79%
+10.9% YoY
+8.7% QoQ
|
-0.20% |
1.00%
+3.5% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
4.40%
+5.4% YoY
+1.6% QoQ
|
+0.48% |
3.91%
+2.3% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
81.75%
-1.3% YoY
-1.2% QoQ
|
-37.64% |
119.40%
+49.6% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
47.40%
+5.0% YoY
+8.0% QoQ
|
-26.81% |
74.21%
+12.6% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
31.37%
-1.8% YoY
+0.1% QoQ
|
+7.88% |
23.49%
+0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.59%
-1.0% YoY
+6.2% QoQ
|
-0.24% |
0.84%
+23.0% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
15.95%
-2.2% YoY
+1.6% QoQ
|
-11.18% |
27.13%
+3.0% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.31%
-2.3% YoY
+125.1% QoQ
|
-1.07% |
1.38%
+6.3% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
85% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.4%
-0.6pp YoY 0.0pp QoQ |
+6.7pp | 24.6% | 23.1% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 9.8% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.9%
-8.6pp YoY -4.3pp QoQ |
+11.5pp | 13.4% | 12.4% | 12.5% | 85% |
| CRE | n/a | n/a | 25.2% | 42.3% | 41.4% | n/a |
| 1-4 Family |
19.7%
+1.5pp YoY +3.1pp QoQ |
-15.2pp | 35.0% | 33.1% | 31.3% | 36% |
| Consumer |
5.4%
-1.7pp YoY +0.5pp QoQ |
-2.2pp | 7.7% | 5.6% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
15.9%
-0.4pp YoY +0.3pp QoQ |
-1.7pp | 17.7% | 11.9% | 12.6% | 75% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
+1 (+9.1%) YoY +1 (+9.1%) QoQ |
-0 | 12 | 297 | 482 | 56% |
| Assets per Employee ($) |
$4.3M
-6.2% YoY -11.4% QoQ |
-$1.9M | $6.2M | $6.2M | $8.8M | 26% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 22 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 0.9% | 1.0% | 67% |
| Allowance Coverage | n/a | n/a | 6.41x | 4.87x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
+0.1pp YoY +0.4pp QoQ |
-1.2pp | 6.4% | 11.7% | 11.6% | 34% |
| Cost of Funds (YTD) |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 1.4% | 1.8% | 1.7% | 7% |
| Net Income ($, YTD) |
$208,000
+12.4% YoY — QoQ |
-$110K | $317,817 | $13.8M | $40.4M | 38% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.