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Bank of Richmondville

Cobleskill, NY
IDRSSD: 767611
Total Assets
$190.90M
Latest filing
Total Deposits
$172.03M
Latest filing
Net Interest Margin
3.37%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date12/08/1893
Community BankYes
Ownership TypeNot Mutual
ZIP12043
State and County Number36095
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number02
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameAlbany-Schenectady-Troy, NY

Operational Info

Number of Employees36
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.bankrich.com
Data Updated11/14/2025
CERT12956
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$190.90M
Total Deposits$172.03M
Total Liabilities$172.75M
Total Equity Capital$18.14M
Net Income$352.00k
Net Loans and Leases$84.31M
Assets Per Employee ($Millions)$5.3M
Bank Premises and Fixed Assets$935.00k
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$172.03M

Key Performance Ratios

Return on Assets (ROA)0.76%
Return on Equity (ROE)8.1%
Net Interest Margin3.37%
Efficiency Ratio75.67%
Tier 1 Risk-Based Capital Ratio26.659%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.03%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.504%
Earning Assets to total Assets94.21%

Income and Expense

Total Interest Income$1.88M
Total Noninterest Income$207.00k
Total Interest Expense$409.00k
Total Noninterest Expense$1.27M
Net Interest Income$1.47M
Pre-tax Net Operating Income$394.00k
Provision for Credit Losses$15.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$112.00k
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$606.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$729.00k
Total Liabilities and Capital$190.90M

Securities

Securities$78.02M
Available-for-sale debt securities$77.35M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$668.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Bank of Richmondville?
$190.90M as of the latest filing.
How much are Bank of Richmondville's total deposits?
$172.03M in total deposits.
Where is Bank of Richmondville located?
Cobleskill, NY.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
3.
When was it established?
12/08/1893.
What is the Return on Assets (ROA)?
0.76%.
How much are total loans and leases?
$84.31M (latest filing).
What is the total interest income (latest filing)?
$1.88M.