Bank of Richmondville
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Data as of · sourced from FFIEC call reports. How we update
Bank of Richmondville is an FDIC-insured commercial bank headquartered in Cobleskill, NY, established in 1893 (FDIC certificate 12956), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $185.9M, up 2.7% from Q2 2025, the 95th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 27.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12956
- Headquarters
- Cobleskill, NY
- Established
- 1893
- Total assets, Q2 2026
- $185.9M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 27.52%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 021308396
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Richmondville call report
- Asset rank in state
- 95th of 105 in New York
Bank of Richmondville, based in Cobleskill, New York, reported $186 million in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 27.52% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 2.0% and deposits rose 1.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.4 million equal 20% of Tier 1 capital, down from 29% a year earlier. Profitability lags: it earns about $0.80 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Bank of Richmondville reported a CET1 capital ratio of 27.52%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.75%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Richmondville is the 95th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.6% to $185.9M, loans rose 0.6% and deposits fell 4.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 64.9% of total loans, ahead of multifamily loans at 10.9%. The FDIC Summary of Deposits lists 3 offices for it, in Cobleskill, NY and Schoharie, NY; its Cobleskill 2 offices book 82% of its branch deposits. On its Q2 2026 call report, Bank of Richmondville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 857 E Main St, Cobleskill, NY 12043
- County
- Schoharie
- Metro Area
- Albany-Schenectady-Troy, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- December 8, 1893
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $166.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $191.3M
- Average total loans
- $83.9M
- Average interest-bearing deposits
- $133.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12956
- Fed RSSD
- 767611
- Website
- www.bankrich.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Richmondville's total assets ran between $177.7M (Q4 2023) and $192.9M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$185.9M total assets against $181.1M; $167.2M total liabilities against $164.5M.
$83.3M net loans and leases against $85.0M; $166.4M total deposits against $163.7M.
$79.0M securities against $74.7M; $14.4M cash and balances due against $11.7M.
$1.9M total interest income against $1.9M; $374K total interest expense against $419K.
$1.5M net interest income against $1.4M.
$267K total noninterest income against $215K; $1.3M total noninterest expense against $1.3M.
$30K provision for credit losses against $15K.
$381K net income against $360K.
0.80% return on assets against 0.77%; 3.71% net interest margin against 3.51%.
27.52% CET1 capital ratio against 25.86%; 11.54% tier 1 leverage ratio against 11.24%.
Inside the full Bank of Richmondville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Richmondville rankings
Its closest position to the top of a national ranking is 111 of 2,134, for CET1 ratio; its furthest is 2,921 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.05% (Q4 2024) to 0.80% (Q2 2026) and its net interest margin ran from 3.20% (Q3 2024) to 3.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.52% | 0.80% | 0.18% | 0.75% | 3.71% |
| Q1 2026 | 27.55% | 0.59% | 0.13% | 0.55% | 3.59% |
| Q4 2025 | 27.23% | 0.74% | 0.10% | 0.41% | 3.62% |
| Q3 2025 | 26.66% | 0.76% | 0.25% | 1.68% | 3.62% |
| Q2 2025 | 25.86% | 0.77% | 0.23% | 1.71% | 3.51% |
| Q1 2025 | 25.29% | 0.58% | 0.23% | 1.73% | 3.44% |
| Q4 2024 | 24.89% | -1.05% | 0.76% | 3.81% | 3.49% |
| Q3 2024 | 25.46% | 0.57% | 0.24% | 1.12% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cobleskill Branch | Cobleskill , NY | 12043 | $99.8M |
| Bank of Richmondville (main office) | Cobleskill , NY | 12043 | $36.8M |
| Schoharie Branch Office | Schoharie , NY | 12157 | $29.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 137 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $116K approved, $116K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Richmondville
What are Bank of Richmondville's total assets?
As of the Q2 2026 filing, Bank of Richmondville reported total assets of $185.9 million in its FFIEC call report.
Where is Bank of Richmondville headquartered?
It is headquartered in Cobleskill, NY, United States.
When was Bank of Richmondville founded?
It was established in 1893, per the FDIC institution directory.
Is Bank of Richmondville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Richmondville?
Bank of Richmondville's primary federal regulator is the FDIC.
What is Bank of Richmondville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Richmondville operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Richmondville's Texas Ratio?
Its Texas Ratio is 0.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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