BANK OF RICHMONDVILLE

COBLESKILL, NY | Small | Est. Dec. 8, 1893, midnight | FDIC #12956 | RSSD #767611 | FDIC
Latest Report: 2025-12-31

BANK OF RICHMONDVILLE is asn small FDIC-insured commercial bank headquartered in COBLESKILL, NY, established in Dec. 8, 1893, midnight. As of 2025-12-31, the bank reported total assets of $181M and total deposits of $161M. Profitability stands at 0.74% ROA and 7.44% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 27.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.38%. FDIC Certificate #12956.

Assets

$181M

Deposits

$161M

Loans

$85M

Equity

$19M

Profitability

Return on Assets (ROA) 0.74%
Return on Equity (ROE) 7.44%
Net Interest Margin (NIM) 3.45%
Yield on Assets 4.41%
Cost of Funds 0.98%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.17%
Texas Ratio 0.38%
NPA Ratio 0.04%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 27.23%
Tier 1 Capital 27.23%
Total Capital Ratio 28.48%
Leverage Ratio 11.71%
Loan-to-Deposit 52.81%

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