BlastPoint's Banking Scorecard

Bank of Richmondville

$100M-$1B Specialty: Other NY FDIC cert 12956

Cobleskill, NY

3 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Bank of Richmondville has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 20.3% in tier
- Liquidity Overhang: Bottom 47.0% in tier
- ROA 0.68% below tier average
- Net Interest Margin 0.63% below tier average

Get updates when Bank of Richmondville releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$192.9M +4.2% YoY +6.8% QoQ	-$193.2M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$82.9M -3.3% YoY -1.1% QoQ	-$172.8M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Bottom 12.5% in tier
Total Deposits ?	$173.9M +3.8% YoY +8.0% QoQ	-$154.1M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	0.59% -0.6% YoY -18.6% QoQ	-0.68%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.30% -0.5% YoY -2.2% QoQ	-0.63%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	80.14% -1.7% YoY +2.4% QoQ	+14.86%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	15%
Delinquency Rate ?	0.13% -44.7% YoY +31.9% QoQ	-0.76%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	47.65% -6.8% YoY -8.4% QoQ	-28.99%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 7.7% in tier
Non-Interest-Bearing Deposit Share ?	20.33% -2.3% YoY -4.4% QoQ	-1.69%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.06% -67.1% YoY +22.2% QoQ	-0.58%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	27.55% +8.9% YoY +1.2% QoQ	+11.72%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 4.8% in tier
Non-Interest Income / Assets ?	0.11% +24.5% YoY -77.5% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	57%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#85 of 414 • Bottom 20.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.14%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Liquidity Overhang

risk

#348 of 739 • Bottom 47.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 27.55%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 47.65%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

130

Tier 1 Capital Ratio

capital

Value: 27.55%

Peer Median: 15.83%

#130 of 2664 Top 4.8% in $100M-$1B

207

Loan-to-Deposit Ratio

liquidity

Value: 47.65%

Peer Median: 76.64%

#207 of 2664 Top 7.7% in $100M-$1B

615

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#615 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (5 metrics)

2332

Total Loans

size

Value: $82.87M

Peer Median: $255.72M

#2332 of 2664 Bottom 12.5% in $100M-$1B

2254

Efficiency Ratio

profitability

Value: 80.14%

Peer Median: 65.29%

#2254 of 2664 Bottom 15.4% in $100M-$1B

2248

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.27%

#2248 of 2664 Bottom 15.7% in $100M-$1B

2092

Net Interest Margin

profitability

Value: 3.30%

Peer Median: 3.93%

#2092 of 2664 Bottom 21.5% in $100M-$1B

2008

Total Assets

size

Value: $192.86M

Peer Median: $386.08M

#2008 of 2664 Bottom 24.7% in $100M-$1B