Bank of Richmondville: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Richmondville of Cobleskill, NY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.80% | 1.35% | -0.55% | 23rd bottom |
| ROAE | 8.24% | 13.32% | -5.08% | 27th below |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 37th below |
| Efficiency Ratio | 72.65% | 61.13% | +11.52% | 23rd bottom |
| PPNR / Avg Assets | 0.93% | 1.68% | -0.75% | 18th bottom |
| Yield on Earning Assets | 4.59% | 5.67% | -1.08% | 10th bottom |
| Cost of Funds | 0.89% | 1.88% | -0.99% | 94th top |
| Net Interest Spread | 3.48% | 3.32% | +0.16% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 75th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.58% | 1.28% | +0.30% | 83rd top |
| ACL / NPLs (Coverage) | 1859.72% | 1546.06% | +313.66% | — |
| Texas Ratio | 0.75% | 7.34% | -6.59% | 76th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 400.00% | 1395.14% | -995.14% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.52% | 19.48% | +8.04% | 91st top |
| Tier 1 Ratio | 27.52% | 19.52% | +8.00% | 91st top |
| Total Capital Ratio | 28.78% | 20.60% | +8.18% | 91st top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.54% | 12.14% | -0.60% | 58th above |
| Equity / Assets | 10.07% | 11.37% | -1.30% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.07% | 11.08% | -1.01% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.88% | 80.67% | -29.79% | 91st top |
| Core Deposit Ratio | 93.53% | 86.85% | +6.68% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.65% | 6.84% | -4.19% | 37th below |
| Loan Growth (Y/Y) | -2.01% | 7.92% | -9.93% | 15th bottom |
| Deposit Growth (Y/Y) | 1.64% | 6.29% | -4.65% | 33rd below |
See Bank of Richmondville's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Richmondville, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Richmondville profile, how to read a UBPR, or how this data updates.