Side-by-side · Q2 2026 data
Bank of Richmondville vs First Federal Savings of Middletown
Metric by metric
| Measure | Bank of Richmondville | First Federal Savings of Middletown |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 48 | 94 (stronger) |
| Funding & liquidity | 99 (stronger) | 37 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 68th | 94th |
| Total assets | $185.9M | $188.0M |
| Deposits / shares | $166.4M | $112.3M |
| Capital ratio | 11.54% | 36.94% (stronger) |
| Problem loans | 0.18% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.46% |
| Return on assets | 0.70% | 1.86% (stronger) |
| Loans ÷ deposits | 50.1% (stronger) | 132.6% |
| Uninsured deposits | 16.3% (stronger) | 26.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
First Federal Savings of Middletown has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Bank of Richmondville leads on 3 and First Federal Savings of Middletown on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.