Bank of Richmondville
Cobleskill, NY
IDRSSD: 767611
Total Assets
$180.53M
Latest filing
Total Deposits
$161.08M
Latest filing
Net Interest Margin
3.37%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021308396COBLESKILL, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Richmondville
857 E Main St
Cobleskill, NY 12043
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/08/1893FDIC Certificate 8189
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Richmondville (Main) | 857 E Main St | Cobleskill, NY |
| COBLESKILL BRANCH | 857 E Main St | Cobleskill, NY |
| SCHOHARIE BRANCH OFFICE | 428 Main St | Schoharie, NY |
Showing 2 of 2
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/08/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12043 |
| State and County Number | 36095 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankrich.com |
| Data Updated | 01/30/2026 |
| CERT | 12956 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $180.53M |
| Total Deposits | $161.08M |
| Total Liabilities | $161.83M |
| Total Equity Capital | $18.70M |
| Net Income | $343.00k |
| Net Loans and Leases | $83.84M |
| Assets Per Employee ($Millions) | $5.16M |
| Bank Premises and Fixed Assets | $907.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $161.08M |
Key Performance Ratios
| Return on Assets (ROA) | 0.74% |
| Return on Equity (ROE) | 7.45% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 76.36% |
| Tier 1 Risk-Based Capital Ratio | 27.223% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.358% |
| Earning Assets to total Assets | 94.39% |
Income and Expense
| Total Interest Income | $1.89M |
| Total Noninterest Income | $285.00k |
| Total Interest Expense | $410.00k |
| Total Noninterest Expense | $1.34M |
| Net Interest Income | $1.48M |
| Pre-tax Net Operating Income | $376.00k |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $627.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $749.00k |
| Total Liabilities and Capital | $180.53M |
Securities
| Securities | $76.78M |
| Available-for-sale debt securities | $76.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $658.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Richmondville?
$180.53M as of the latest filing.
How much are Bank of Richmondville's total deposits?
$161.08M 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)?
0.74%.
How much are total loans and leases?
$83.84M (latest filing).
What is the total interest income (latest filing)?
$1.89M.