Bank call report · Cobleskill, NY
Bank of Richmondville Call Report
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Bank of Richmondville filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 300 reported line items, schedule by schedule (897 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 767611 |
| FDIC certificate number | 12956 |
| Total assets | $185.9M |
Official Q2 2026 call report PDF (FFIEC) →
Bank of Richmondville call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Bank of Richmondville balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $185.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $185.9M |
| Total Liabilities and Minority Interest | RCON2948 | $167.2M |
| Total Deposits | RCON2200 | $166.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $131.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $84.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $83.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $77.9M |
| Deposits: Noninterest-bearing | RCON6631 | $35.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $21.8M |
| Total Equity Capital | RCON3210 | $18.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $18.7M |
| Interest-bearing Balances | RCON0071 | $12.6M |
| Other Assets | RCON2160 | $8.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.3M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.1M |
| Held-to-maturity Securities, Total | RCON1754 | $1.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $900K |
| Other Liabilities, Total | RCON2930 | $753K |
| Federal Funds Sold | RCONB987 | $588K |
| Common Stock | RCON3230 | $167K |
| Surplus | RCON3839 | $143K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Bank of Richmondville income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $3.7M |
| Net Interest Income | RIAD4074 | $3.0M |
| Total Noninterest Expense | RIAD4093 | $2.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.3M |
| Salaries and Employee Benefits | RIAD4135 | $1.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $930K |
| Total Interest Expense | RIAD4073 | $746K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $713K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $713K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $655K |
| Net Income (Loss) | RIAD4340 | $655K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $655K |
| Interest on Other Securities | RIAD4060 | $579K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $536K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $480K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $477K |
| Total Noninterest Income | RIAD4079 | $476K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $459K |
| Other Noninterest Income | RIADB497 | $382K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $279K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $250K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $235K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $190K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $114K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $94K |
| Provision for Loan and Lease Losses | RIAD4230 | $60K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $60K |
| Applicable Income Taxes | RIAD4302 | $58K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $48K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $44K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $32K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $11K |
| Other Interest Income | RIAD4518 | $5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 33 |
Schedule RC-B: Securities (35 items)
About Schedule RC-B · Bank of Richmondville securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $1.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $1.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $15.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $14.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $9.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $8.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $82.5M |
| Pledged Securities | RCON0416 | $47.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $34.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $33.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $31.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $14.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $14.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $10.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $8.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $7.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $5.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $4.5M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $3.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $3.3M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $3.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $3.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $2.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $1.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $1.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.4M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $1.2M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $1.2M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $1.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $544K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $427K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $58K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $3K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Bank of Richmondville loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $84.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $49.5M |
| Pledged Loans and Leases | RCONG378 | $21.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $21.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $17.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $11.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $10.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $9.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $8.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $7.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $7.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $6.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $6.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $5.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $4.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $3.6M |
| Commercial and Industrial Loans | RCON1766 | $3.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $1.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $804K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $566K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $544K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $543K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $18K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $2.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $664K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $365K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $327K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $160K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $29K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 85 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 13 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 11 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 9 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Bank of Richmondville deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $90.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $84.3M |
| Total Transaction Accounts | RCON2215 | $75.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $65.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $45.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $35.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $26.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $16.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $15.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $12.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $10.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $10.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $10.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $8.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $6.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $6.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $3.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $817K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $25K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.0M |
| Net Deferred Tax Assets | RCON2148 | $1.4M |
| Accrued Interest Receivable | RCONB556 | $875K |
| Other Assets | RCON2168 | $747K |
| Prepaid Expenses | RCON2166 | $332K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $314K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $119K |
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Bank of Richmondville quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $191.3M |
| Quarterly Average of Total Loans | RCON3360 | $83.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $59.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $53.9M |
| All Other Securities | RCONB560 | $39.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $35.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $28.5M |
| Mortgage-backed Securities | RCONB559 | $28.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $19.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $14.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $10.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $7.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $2.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $2.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $713K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Bank of Richmondville derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $983K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $315K |
| Performance Standby Letters of Credit | RCON3821 | $75K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Bank of Richmondville memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $515K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Bank of Richmondville past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $748K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $503K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $93K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $78K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $78K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $72K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $72K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $59K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $56K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $19K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $18K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Bank of Richmondville other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $191.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $166.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $117.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $45.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $22.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 8,335 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 139 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 75 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Bank of Richmondville regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Bank of Richmondville regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $191.3M |
| Average total consolidated assets | RCOAKW03 | $191.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $80.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $23.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $22.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $22.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $22.1M |
| Retained Earnings | RCOAKW00 | $21.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $18.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $310K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2878 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2752 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2752 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.2078 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1154 |
Schedule RC-R, Part II: Risk-Weighted Assets (43 items)
About Schedule RC-R, Part II · Bank of Richmondville risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $80.6M |
| Total Risk-weighted Assets | RCONG641 | $80.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $77.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $69.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $69.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $65.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $61.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $61.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $61.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $61.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $36.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $36.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $35.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $30.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $25.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $25.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $23.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $23.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $13.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $13.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $13.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $11.6M |
| Total All Other Assets | RCOND981 | $9.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $8.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $6.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$5.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4.6M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $3.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.3M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $1.1M |
| Total Held-to-maturity Securities | RCOND961 | $1.1M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $587K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $587K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $487K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $487K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $327K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $119K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $75K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $72K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $72K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $38K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $38K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $18.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $18.7M |
| Total Equity Capital | RIAD3210 | $18.7M |
| Other Comprehensive Income | RIADB511 | -$465K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $208K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Bank of Richmondville charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $17K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $9K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $8K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $2K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Bank of Richmondville changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $17K |
Schedule RI-E: Explanations (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $182K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $132K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $121K |
Bank of Richmondville call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of Richmondville call report?
The Bank of Richmondville call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of Richmondville file?
Bank of Richmondville files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of Richmondville call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of Richmondville has Federal Reserve RSSD ID 767611 and FDIC certificate number 12956. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of Richmondville file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of Richmondville financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 12956) · FFIEC NIC profile (RSSD 767611)