Bank of Richmondville: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets rose 0.60 percentage points from Q1 2026 to Q2 2026, ending at 10.07% against 9.47%. It was the largest change among the key lines on this page. Within New York, Bank of Richmondville is 12th of 82 on CET1 ratio, 27.52% as of Q2 2026, above the middle of the field. Bank of Richmondville's CET1 ratio of 27.52% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 12.45 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.52% |
| Tier 1 risk-based capital ratio | 27.52% |
| Total risk-based capital ratio | 28.78% |
| Tier 1 leverage ratio | 11.54% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.1M |
| Tier 1 capital | $22.1M |
| Total risk-based capital | $23.1M |
| Total equity capital | $18.7M |
| Risk-weighted assets | $80.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.07% |
| Tangible equity to tangible assets | 10.07% |
| Equity capital to average assets | 9.78% |
| Internal capital growth rate | 6.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $167K |
| Common stock surplus | $143K |
| Retained earnings | $21.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 24.61% | 24.61% | 25.86% | 11.63% | $82.6M |
| Q4 2023 | 25.53% | 25.53% | 26.78% | 11.57% | $80.9M |
| Q1 2024 | 25.30% | 25.30% | 26.56% | 11.69% | $82.6M |
| Q2 2024 | 25.84% | 25.84% | 27.10% | 11.83% | $81.9M |
| Q3 2024 | 25.46% | 25.46% | 26.71% | 11.46% | $83.8M |
| Q4 2024 | 24.89% | 24.89% | 26.14% | 10.76% | $83.3M |
| Q1 2025 | 25.29% | 25.29% | 26.55% | 11.24% | $82.6M |
| Q2 2025 | 25.86% | 25.86% | 27.11% | 11.24% | $81.8M |
| Q3 2025 | 26.66% | 26.66% | 27.91% | 11.57% | $80.3M |
| Q4 2025 | 27.23% | 27.23% | 28.48% | 11.71% | $79.5M |
| Q1 2026 | 27.55% | 27.55% | 28.81% | 11.66% | $79.2M |
| Q2 2026 | 27.52% | 27.52% | 28.78% | 11.54% | $80.2M |
Bank of Richmondville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Richmondville, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Richmondville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12956) · FFIEC NIC profile (RSSD 767611)