Side-by-side · Q2 2026 data
First National Bank of Scotia vs Bank of Richmondville
Metric by metric
| Measure | First National Bank of Scotia | Bank of Richmondville |
|---|---|---|
| TellerScore | 55 | 77 (stronger) |
| Capital cushion | 42 | 65 (stronger) |
| Loan quality | 50 | 94 (stronger) |
| Earnings | 49 (stronger) | 48 |
| Funding & liquidity | 78 | 99 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 11th | 68th |
| Total assets | $719.0M | $185.9M |
| Deposits / shares | $632.0M | $166.4M |
| Capital ratio | 9.22% | 11.54% (stronger) |
| Problem loans | 1.50% | 0.18% (stronger) |
| Net charge-offs | 0.14% | 0.04% (stronger) |
| Return on assets | 0.74% (stronger) | 0.70% |
| Loans ÷ deposits | 80.9% | 50.1% (stronger) |
| Uninsured deposits | 16.4% | 16.3% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 4.0% |
Bank of Richmondville has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 1 and Bank of Richmondville on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.