Bank of Richmondville: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.69 percentage points higher than in Q1 2026, at 11.19%. Within New York, Bank of Richmondville is 94th of 105 on loan-to-deposit ratio, 50.88% as of Q2 2026, below the middle of the field. Bank of Richmondville reported 50.88% on loan-to-deposit ratio for Q2 2026, 30.06 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $84.7M |
| Net loans and leases | $83.3M |
| Loans held for sale | $0 |
| Loans to total assets | 45.56% |
| Loan-to-deposit ratio | 50.88% |
| Net loans to equity capital | 4.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.21% |
| Multifamily (5+ residential) | 10.95% |
| Commercial and industrial | 3.54% |
| Consumer | 8.60% |
| Credit cards | 0.00% |
| Farm | 2.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.76% |
| Construction concentration (Tier 1 capital + allowance) | 11.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.58% |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $81.1M | $166.1M | 10.74% | 2.90% | 13.69% |
| Q4 2023 | $80.0M | $161.7M | 10.52% | 3.07% | 12.90% |
| Q1 2024 | $85.0M | $166.4M | 9.36% | 3.24% | 11.82% |
| Q2 2024 | $84.0M | $159.5M | 8.39% | 3.27% | 11.55% |
| Q3 2024 | $86.9M | $169.3M | 7.81% | 3.38% | 10.94% |
| Q4 2024 | $86.1M | $162.2M | 7.89% | 3.71% | 10.59% |
| Q1 2025 | $87.0M | $167.6M | 7.56% | 3.65% | 10.35% |
| Q2 2025 | $86.4M | $163.7M | 7.46% | 3.68% | 10.41% |
| Q3 2025 | $85.6M | $172.0M | 6.32% | 3.41% | 9.77% |
| Q4 2025 | $85.1M | $161.1M | 6.60% | 3.92% | 9.00% |
| Q1 2026 | $84.2M | $173.9M | 5.94% | 3.59% | 8.74% |
| Q2 2026 | $84.7M | $166.4M | 6.21% | 3.54% | 8.60% |
Bank of Richmondville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Richmondville, freeSource: Call Report Schedule RC-C, 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)