Bank of Richmondville: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 3.71%. Within New York, Bank of Richmondville is 48th of 105 on net interest margin, 3.71% as of Q2 2026, above the middle of the field. Bank of Richmondville reported 3.71% on net interest margin for Q2 2026, 0.24 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | 5.58% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.11% |
| Cost of interest-bearing liabilities | 1.11% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $374K |
| Interest expense on deposits | $374K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.94% | 0.50% | 3.45% | 4.70% | 3.15% |
| Q4 2023 | 4.15% | 0.65% | 3.51% | 5.01% | 3.22% |
| Q1 2024 | 4.09% | 0.82% | 3.29% | 4.86% | 3.26% |
| Q2 2024 | 4.16% | 0.85% | 3.34% | 4.90% | 3.34% |
| Q3 2024 | 4.25% | 1.06% | 3.20% | 5.11% | 3.31% |
| Q4 2024 | 4.40% | 0.94% | 3.49% | 5.35% | 3.36% |
| Q1 2025 | 4.41% | 1.01% | 3.44% | 5.35% | 3.39% |
| Q2 2025 | 4.49% | 1.01% | 3.51% | 5.45% | 3.47% |
| Q3 2025 | 4.58% | 1.00% | 3.62% | 5.68% | 3.42% |
| Q4 2025 | 4.59% | 0.99% | 3.62% | 5.63% | 3.51% |
| Q1 2026 | 4.48% | 0.90% | 3.59% | 5.41% | 3.51% |
| Q2 2026 | 4.59% | 0.89% | 3.71% | 5.58% | 3.60% |
Bank of Richmondville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Richmondville, freeSource: Call Report Schedules RI and RC-K, 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)