Meeting the Needs of Our Community

At Richwood Bank, we are deeply committed to inspiring, protecting, and celebrating anything that helps communities thrive. As part of that commitment, we adhere to the rules and spirit of the Community Reinvestment Act (CRA). This act encourages banks to meet the credit needs of all segments of their communities, including low- and moderate-income neighborhoods.

Below, you’ll find our CRA Public File, which contains information about our efforts to support community development and meet the needs of all residents in the areas we serve. We invite you to review this file and learn more about our commitment to making a positive impact in our community.

CRA Performance Evaluation

Our CRA Performance Evaluation provides valuable insight into how we are fulfilling our commitment to the community. It allows you to see how our efforts are being recognized and where we can continue to improve.

View Evaluation

Branch Locations & List of Services

Visit our Locations page for more details about hours of operation. Please note that our Springfield Downtown location is an Express Branch and does not offer the same services as our traditional branches.

Richwood Bank offers a range of deposit and loan products. Click here to view our Personal Product Catalog or click here to view our Business Product Catalog.

We invite you to contact us for questions about the availability of products and services and associated fees. Our branch and contact center agents are available during regular banking hours.

Assessment Area Map

CRA map

Census Tract Numbers

  1. Union County
    1. All Census Tracts
  2. Madison County
    1. All Census Tracts
  3. Marion County
    1. Census Tracts 103, 105
  4. Logan County
    1. All Census Tracts
  5. Delaware County
    1. All Census Tracts
  6. Champaign County
    1. All Census Tracts
  7. Clark County
    1. All Census Tracts

Opened and Closed Branches

Richwood Bank has not opened or closed any branches in the last two years.

Public Comments and Responses

As of 3/11/2024 the bank does not have any written comments received from the public. If you want to share your comments on how Richwood Bank is meeting the credit needs of our communities, you have several options:

  1. Contact our leadership team or board members to share your opinion.
  2. Write your comments and send it to 24 E Blagrove St. Richwood, OH 43344 Attention Compliance Department. In your letter, please indicate you’d like your comments to be included in our public file.
  3. You can send your comments to the Federal Reserve of Cleveland.

HMDA Disclosures

The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available online for review.  The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.  HMDA data for many other financial institutions are also available online.  For more information, visit the Consumer Financial Protection Bureau’s website,


If you have any questions about the information we’ve presented, you can reach out to our Compliance team. We’re available Monday-Friday from 9am-4pm at 888-943-2317.


We believe that by supporting local businesses, individuals, and initiatives, we can create a stronger, more vibrant community for everyone. Click the link below to learn how to engage with us.