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Bank Of Richmondville
Cobleskill, NY · FDIC Certificate #12956 · Chartered 12/0
Total assets
$185.90M
Total deposits
$166.44M
Total equity
$18.71M
Net loans
$83.35M
Branches (offices)
3
Net income (YTD)
$655.00K
Rank: #3,075 of 4,213 U.S. banks by assets · #102 of 115 in New York. Assets changed 2.7% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.70% |
| Return on equity | 7.06% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 10.07% |
| Tier 1 leverage ratio | 11.54% |
| Uninsured deposits (share of deposits) | 16.3% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 50.1% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $74.41M | 89.3% | |
| Commercial & industrial | $2.99M | 3.6% | |
| Consumer / individual | $7.28M | 8.7% | |
| Construction & development | $2.62M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $197.84M | $184.33M | $390.00K | $12.72M |
| Jun 2023 | $180.41M | $162.81M | $726.00K | $13.75M |
| Jun 2024 | $180.63M | $159.49M | $713.00K | $15.50M |
| Jun 2025 | $181.10M | $163.74M | $630.00K | $16.63M |
| Jun 2026 | $185.90M | $166.44M | $655.00K | $18.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $166.44M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $166.44M.
Similar-sized banks
Citizens Federal Savings And Loan Association ($186.14M) · United Republic Bank ($185.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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