This institution is no longer active
Operations ceased on August 30, 2008. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Strong
ROA 1.76%
Is this bank safe?
THE RICHLAND TRUST COMPANY earned an Outstanding CRA rating (2005), is financially strong (ROA +1.76%). Overall, this bank appears financially sound.
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$525M
Total Deposits
$420M
Net Loans
$207M
Net Income
$5M
ROA
1.76%
Above avg for Small banks. Peer avg: 0.44%
ROE
29.50%
Risk-Based Capital
13.08%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2005 | Outstanding | Large Bank |
| May 2003 | Satisfactory | Large Bank |
| Feb 2000 | Outstanding | Large Bank |
4 previous ratings locked — back to 1990
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