Banks | Richton Bank & Trust Company

Richton Bank & Trust Company


Richton Bank & Trust Company is an FDIC insured institution headquartered at 114 South Front Street, Richton, MS 39476.
It was founded in 1931 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - December 21, 2024

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.50% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
30 Mo CD
0.50% $10,000 Compare
30 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
48 Mo CD
0.50% $10,000 Compare
48 Mo CD
0.50% $100,000 Compare
Special: 60 Mo CD
1.00% $1,000 Compare
60 Mo CD
1.00% $10,000 Compare
60 Mo CD
1.00% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 60 Mo FIRA
1.00% $1,000
VARIABLE IRA RATES APY MIN
Var IRA
0.25% $1
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11817
Date Established 1931
Assets $ 50.95 million
Loans $ 20.72 million
Deposits $ 43.45 million
Capital $ 6.79 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 6.04 million
Interest-bearing balances $ 4.39 million
Total securities $ 17.84 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 20.72 million
Loan loss allowance $ 0.79 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.90 million
     Total Assets $ 44.16 million

LIABILITIES
Total deposits $ 43.45 million
      Interest-bearing deposits $ 29.42 million
      Deposits held in domestic offices $ 43.45 million
      % insured (estimated) 88.21%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.58 millionn
      Total Liabilities $ 44.16 million
      Shareholders’ Equity $ 6.79 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 0.98 million
Total Interest Expense $ 0.16 million
Net interest income $ 0.82 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.13 million
Total non interest expense $ 0.88 million
Pre-tax Net Operating Income $ 0.18 million

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