TellerScore

Bank of Richmondville is a state-chartered bank headquartered in Cobleskill, New York, in business for about 133 years. At the end of Q2 2026 it reported $185.9M in total assets and $166.4M in deposits, with 3 offices.

Bank of Richmondville has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 25th. Funding & liquidity contributes the most (99/100, 50% loans-to-deposits, 16% uninsured); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.54%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity99/100
Loans ÷ deposits and uninsured-deposit share: 50.1% · 16.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
667379Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202476
Q4 202466
Q1 202575
Q2 202576
Q3 202576
Q4 202579
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.42%11.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.83%
Q3 202411.46%
Q4 202410.76%
Q1 202511.24%
Q2 202511.24%
Q3 202511.57%
Q4 202511.71%
Q1 202611.66%
Q2 202611.54%
Noncurrent loans
0.10%0.43%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.28%
Q3 20240.24%
Q4 20240.76%
Q1 20250.23%
Q2 20250.23%
Q3 20250.25%
Q4 20250.10%
Q1 20260.13%
Q2 20260.18%
Return on assets
0.26%0.53%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.72%
Q4 20240.26%
Q1 20250.59%
Q2 20250.69%
Q3 20250.71%
Q4 20250.72%
Q1 20260.59%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$185.9M11.54%0.18%0.70%50.1%
Q1 202677$192.9M11.66%0.13%0.59%47.7%
Q4 202579$180.6M11.71%0.10%0.72%52.0%
Q3 202576$190.9M11.57%0.25%0.71%49.0%
Q2 202576$181.1M11.24%0.23%0.69%51.9%
Q1 202575$185.0M11.24%0.23%0.59%51.1%
Q4 202466$180.6M10.76%0.76%0.26%52.3%
Q3 202476$187.1M11.46%0.24%0.72%50.5%
Q2 202478$180.6M11.83%0.28%0.79%51.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.54%
58th
Total risk-based capital28.78%
96th
Problem loans0.18%
67th
Net charge-offs0.04%
32nd
Return on assets0.70%
19th
Net interest margin3.37%
22nd
Efficiency ratio77.6%
17th
Loans to deposits50.1%
92nd
Uninsured deposits16.3%
78th
Loan-loss reserves1.58%
83rd
Texas ratio0.7%
73rd

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Savannah Bank National AssociationBank Savannah, NY66 out of 100, Moderate$187.2M8.9%0.23%vs
First Federal Savings of MiddletownBank Middletown, NY89 out of 100, Very strong$188.0M36.9%0.00%vs
The Putnam County National Bank of CarmelBank Carmel, NY83 out of 100, Strong$182.7M26.8%0.48%vs
Gouverneur Savings and Loan AssociationBank Gouverneur, NY74 out of 100, Strong$198.9M14.5%1.00%vs
Massena Savings and LoanBank Massena, NY73 out of 100, Strong$199.9M15.1%1.30%vs
The First National Bank of DrydenBank Dryden, NY80 out of 100, Strong$203.9M13.5%0.93%vs

Deposit insurance

Is my money safe at Bank of Richmondville?

Yes. Bank of Richmondville is an FDIC-insured institution (FDIC certificate #12956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.3% of deposits ($27.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.78% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank of Richmondville lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Richmondville reported 50 home-loan applications under HMDA (LEI 549300SPVF3S3T0BYL87): 44 originated ($5,390,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Richmondville
Type
State-chartered bank
FDIC certificate #
12956
RSSD ID
767611
Primary regulator
FDIC
Established
December 8, 1893
Headquarters
857 E Main St, Cobleskill, NY 12043
Employees
33

Quick answers

Bank of Richmondville: common questions

Is Bank of Richmondville FDIC insured?

Yes. Bank of Richmondville is an FDIC-insured institution (FDIC certificate #12956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Richmondville's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Richmondville ever failed?

There is no failure record for FDIC certificate #12956 in the FDIC failed bank list.

How many branches does Bank of Richmondville have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cobleskill

InstitutionScoreAssetsCapitalProblem loansCompare
M. C. T. Federal Credit UnionCredit union Amsterdam, NY94 out of 100, Very strong$73.3M14.4%0.41%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs
First New York Federal Credit UnionCredit union Albany, NY63 out of 100, Moderate$574.0M9.4%0.48%vs
Community Bank, National AssociationBank Canton, NY62 out of 100, Moderate$17.4B7.9%0.50%vs
TrustCo BankBank Glenville, NY62 out of 100, Moderate$6.5B8.4%0.40%vs