Bank of Richmondville
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.9 and a capital leverage ratio of 11.6. A current level of 0.9 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 26.7 percent and a “hot money” ratio of 14.5 percent.
Asset Mix:
Securities (41%), home mtgs (28%), cash (10%), consumer loans (4%), comm re (3%), comm loans (2%), home eq lns (1%), other (11%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
857 East Main Street
Cobleskill, NY 12043
Cobleskill, NY 12043
Phone Number
(518) 234-4397
Year Founded
1881
FDIC Number
Website
Largest Affiliates
No affiliate information available.