B
Bank of Richmondville
Rating Date
August 2026
Risk Based
Capital Ratio
28.78
Leverage
Ratio
11.54
Return On
Assets
0.69%
Total
Assets
185.90M
Capital
18.71M
Total
Deposits
166.44M
Net
Income
655.00K
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Weiss Ratings Bank of Richmondville
Cobleskill, NY 		Click to
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Rating B
Asset Quality Index 9.40
Capitalization Index 10.00
Liquidity Index 3.90
Profitability Index 3.20
Stability Index 5.60
Company Info Bank of Richmondville
Cobleskill, NY 		Click to
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FDIC Number 12956
Phone Number (518) 234-4397
Website www.bankrich.com
Asset Quality Bank of Richmondville
Cobleskill, NY 		Click to
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1-Year Asset Growth 2.65%
5-Year Asset Growth 1.89%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 0.64%
Non-Performing Loans to Loans 0.09%
Balance Sheet Bank of Richmondville
Cobleskill, NY 		Click to
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Total Assets 185.90M
Total Deposits 166.44M
Capital and Reserves Bank of Richmondville
Cobleskill, NY 		Click to
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Capital 18.71M
Leverage Ratio 11.54
Loan Loss Reserves to Loans 1.58%
Risk-Based Capital Ratio 28.78
Liquidity Bank of Richmondville
Cobleskill, NY 		Click to
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Hot Money Ratio 13.92%
Liquidity Ratio 27.76%
Profitability Bank of Richmondville
Cobleskill, NY 		Click to
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5-Year Return on Average Assets 0.66%
Net Income 655.00K
Net Interest Spread 3.65%
Operating Profit to Average Assets 0.75%
Overhead Efficiency Ratio 77.57%
Return on Assets 0.69%
Return on Equity 7.08%