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Bank of Richmondville

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

Cobleskill, NY

3 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits +1.6% year over year ($166.4M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 0.70%.
  • Efficiency ratio 77.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 50.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (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 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 44.2% in tier
  • - ROA 0.62% below tier average
  • - Net Interest Margin 0.61% below tier average
  • - Efficiency Ratio 13.09% above tier average
Get updates when Bank of Richmondville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $185.9M
+2.7% YoY -3.6% QoQ
-$200.7M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $83.3M
-2.0% YoY +0.6% QoQ
-$175.0M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
Bottom 11.9% in tier
Total Deposits ? $166.4M
+1.6% YoY -4.3% QoQ
-$160.3M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 0.70%
+1.6% YoY +19.7% QoQ
-0.62% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.37%
+0.5% YoY +2.3% QoQ
-0.61% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 77.57%
-3.9% YoY -3.2% QoQ
+13.09% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.18%
-21.5% YoY +39.4% QoQ
-0.74% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 50.08%
-3.6% YoY +5.1% QoQ
-27.87% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 8.4% in tier
Non-Interest-Bearing Deposit Share ? 21.09%
-2.6% YoY +3.7% QoQ
-0.94% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.08%
-52.4% YoY +45.4% QoQ
-0.59% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 27.52%
+6.4% YoY -0.1% QoQ
+11.61% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 5.1% in tier
Non-Interest Income / Assets ? 0.26%
+23.3% YoY +136.3% QoQ
-0.31% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 21.1%
-0.6pp YoY
+0.8pp QoQ
 -1.1pp 22.1% 22.1% 22.2% 50%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 3.6%
-0.2pp YoY
-0.1pp QoQ
 -8.0pp 11.6% 11.0% 12.5% 12%
CRE 20.6%
+0.8pp YoY
+1.3pp QoQ
 -19.0pp 39.5% 46.2% 41.4% 19%
1-4 Family 66.0%
+1.2pp YoY
-1.1pp QoQ
 +33.4pp 32.6% 36.6% 31.3% 93%
Consumer 8.7%
-1.8pp YoY
-0.1pp QoQ
 +4.6pp 4.1% 5.1% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 27.5%
+1.7pp YoY
0.0pp QoQ
 +8.7pp 18.8% 26.1% 19.7% 91%
Leverage Ratio 11.5%
+0.3pp YoY
-0.1pp QoQ
 -0.6pp 12.2% 13.9% 12.6% 58%
Total Capital Ratio 28.8%
+1.7pp YoY
0.0pp QoQ
 +8.8pp 19.9% 27.2% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 33
-3 (-8.3%) YoY
-4 (-10.8%) QoQ
 -26 58 914 482 31%
Assets per Employee ($) $5.6M
+12.0% YoY
+8.1% QoQ
 -$1.9M $7.5M $14.8M $8.8M 26%
Branch Count 3
0 YoY
0 QoQ
 -2 4 27 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 49%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.3% 1.0% 16%
Allowance Coverage 8.93x
+26.9% YoY
-27.6% QoQ
 -15.23x 24.15x 1.92x 20.23x 80%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 7.1%
-0.6pp YoY
+1.1pp QoQ
 -5.1pp 12.2% 7.9% 11.6% 21%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 6%
Net Income ($, YTD) $655,000
+4.0% YoY
— QoQ
 -$1.9M $2.6M $111.2M $40.4M 15%

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 (1)

Liquidity Overhang

risk
#329 of 742 • Bottom 44.2% 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: 27.52%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 50.08%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

137
Tier 1 Capital Ratio
capital
Value: 27.52%
Peer Median: 15.91%
#137 of 2643 Top 5.1% in $100M-$1B
223
Loan-to-Deposit Ratio
liquidity
Value: 50.08%
Peer Median: 77.95%
#223 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (5 metrics)

2330
Total Loans
size
Value: $83.35M
Peer Median: $258.35M
#2330 of 2643 Bottom 11.9% in $100M-$1B
2198
Efficiency Ratio
profitability
Value: 77.57%
Peer Median: 64.48%
#2198 of 2643 Bottom 16.9% in $100M-$1B
2138
Return on Assets
profitability
Value: 0.70%
Peer Median: 1.32%
#2138 of 2643 Bottom 19.1% in $100M-$1B
2052
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.99%
#2052 of 2643 Bottom 22.4% in $100M-$1B
2040
Total Assets
size
Value: $185.90M
Peer Median: $386.57M
#2040 of 2643 Bottom 22.9% in $100M-$1B
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