Bank · FDIC insured
Richwood Bank
A $1.3B bank headquartered in Richwood, OH, with 9 branches in Ohio. Best rates: CDs 4.60% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.60%CD rates →
- Savings—3.30%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Richwood Bank
Richwood Bank is based in Richwood, Ohio, and operates branch locations across Ohio communities including Plain City, Marysville, LaRue, Huntsville, Delaware, Springfield, and Bellefontaine.
- Headquarters
- 28 N Franklin St, Richwood, OH 43344
- FDIC certificate
- 12978 ↗
Branches
9 branches in Ohio
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Ohio
9 branches
Springfield area · 2
- Limestone Office2454 N Limestone St, Springfield, OH 45503Directions
- West Main Branch63 W Main St, Springfield, OH 45502Directions
Richwood area · 1
- The Richwood Banking CompanyMain office28 N Franklin St, Richwood, OH 43344Directions
Bellefontaine area · 1
- Bellefontaine Branch120 E Sandusky Ave, Bellefontaine, OH 43311Directions
Delaware area · 1
- Delaware Branch1512 W William St, Delaware, OH 43015Directions
Huntsville area · 1
- Huntsville Branch4848 Napoleon St, Huntsville, OH 43324Directions
La Rue area · 1
- Larue Branch26 High Street, La Rue, OH 43332Directions
Marysville area · 1
- Marysville Branch249 W 5th St, Marysville, OH 43040Directions
Plain City area · 1
- Plain City Branch601 W Main St, Plain City, OH 43064Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.76% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.28% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.26% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalLeverage ratio10.76%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.28%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.26%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Richwood Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.