Side-by-side · Q2 2026 data
Bank of Richmondville vs Massena Savings and Loan
Metric by metric
| Measure | Bank of Richmondville | Massena Savings and Loan |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 94 (stronger) | 57 |
| Earnings | 48 | 63 (stronger) |
| Funding & liquidity | 99 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 68th | 53rd |
| Total assets | $185.9M | $199.9M |
| Deposits / shares | $166.4M | $148.2M |
| Capital ratio | 11.54% | 15.15% (stronger) |
| Problem loans | 0.18% (stronger) | 1.30% |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 0.70% | 1.09% (stronger) |
| Loans ÷ deposits | 50.1% (stronger) | 121.7% |
| Uninsured deposits | 16.3% | 12.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
Bank of Richmondville has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Richmondville leads on 4 and Massena Savings and Loan on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.