Side-by-side · Q2 2026 data
Bank of Richmondville vs TrustCo Bank
Metric by metric
| Measure | Bank of Richmondville | TrustCo Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 65 (stronger) | 34 |
| Loan quality | 94 (stronger) | 87 |
| Earnings | 48 | 61 (stronger) |
| Funding & liquidity | 99 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 68th | 27th |
| Total assets | $185.9M | $6.5B |
| Deposits / shares | $166.4M | $5.7B |
| Capital ratio | 11.54% (stronger) | 8.38% |
| Problem loans | 0.18% (stronger) | 0.40% |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 0.70% | 1.04% (stronger) |
| Loans ÷ deposits | 50.1% (stronger) | 93.7% |
| Uninsured deposits | 16.3% (stronger) | 22.0% |
| Offices | 3 | 133 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 28.5% |
Bank of Richmondville has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank of Richmondville leads on 5 and TrustCo Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.