Side-by-side · Q2 2026 data
The First National Bank of Dryden vs Bank of Richmondville
Metric by metric
| Measure | The First National Bank of Dryden | Bank of Richmondville |
|---|---|---|
| TellerScore | 80 (stronger) | 77 |
| Capital cushion | 85 (stronger) | 65 |
| Loan quality | 69 | 94 (stronger) |
| Earnings | 79 (stronger) | 48 |
| Funding & liquidity | 82 | 99 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 77th | 68th |
| Total assets | $203.9M | $185.9M |
| Deposits / shares | $179.6M | $166.4M |
| Capital ratio | 13.55% (stronger) | 11.54% |
| Problem loans | 0.93% | 0.18% (stronger) |
| Net charge-offs | 0.59% | 0.04% (stronger) |
| Return on assets | 1.48% (stronger) | 0.70% |
| Loans ÷ deposits | 56.0% | 50.1% (stronger) |
| Uninsured deposits | 31.6% | 16.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
The First National Bank of Dryden has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Dryden leads on 3 and Bank of Richmondville on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.