BlastPoint's Banking Scorecard
Bank of Richmondville
Micro
Specialty: Other
NY
FDIC cert 12956
Designations: ✓ Community bank
Cobleskill, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Bank of Richmondville demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.37% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.6M
-0.0% YoY
-5.4% QoQ
|
-$36.9M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$83.8M
-1.2% YoY
-0.6% QoQ
|
-$55.4M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$161.1M
-0.7% YoY
-6.4% QoQ
|
-$22.6M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
0.72%
+177.7% YoY
+1.6% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.37%
+5.0% YoY
+0.8% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
78.29%
-19.9% YoY
-0.9% QoQ
|
+10.57% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.10%
-87.3% YoY
-61.4% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
52.00%
-0.5% YoY
+6.1% QoQ
|
-22.52% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.27%
-6.1% YoY
-3.1% QoQ
|
-1.12% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.05%
-87.5% YoY
-73.4% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
27.23%
+9.4% YoY
+2.1% QoQ
|
+18.37% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.48%
-3.8% YoY
+57.4% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.23%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 27.23% · Tier avg: 8.85%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
48
48th pctile
Total Deposits
Current: $161.1M · Tier avg: $183.7M
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 22.39%
46
46th pctile
Total Assets
Current: $180.6M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $83.8M · Tier avg: $139.2M
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
23
23th pctile
Efficiency Ratio
Current: 78.29% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.00% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 52.00% · Tier avg: 74.53%
23
23th pctile
Efficiency Ratio
Current: 78.29% · Tier avg: 67.73%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
36
36th pctile
Total Loans
Current: $83.8M · Tier avg: $139.2M
46
46th pctile
Total Assets
Current: $180.6M · Tier avg: $217.5M
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 22.39%
48
48th pctile
Total Deposits
Current: $161.1M · Tier avg: $183.7M
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.23% · Tier avg: 8.85%