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Bank of Richmondville


Bank of Richmondville is an FDIC insured institution headquartered at 857 E Main St, Cobleskill, NY 12043.
It was founded in 1893 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - January 24, 2026





Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12956
Date Established 1893
Assets $ 190.90 million
Loans $ 84.31 million
Deposits $ 172.03 million
Capital $ 18.14 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 18.60 million
Interest-bearing balances $ 16.92 million
Total securities $ 78.02 million
Federal funds sold and reverse repurchase $ 0.61 million
Net loans and leases $ 84.31 million
Loan loss allowance $ 1.32 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.11 million
Goodwill and other intangibles N.A.
All other assets $ 7.61 million
     Total Assets $ 172.76 million

LIABILITIES
Total deposits $ 172.03 million
      Interest-bearing deposits $ 134.25 million
      Deposits held in domestic offices $ 172.03 million
      % insured (estimated)" 80.16%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.79 millionn
      Total Liabilities $ 172.76 million
      Shareholders’ Equity $ 18.14 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 5.59 million
Total Interest Expense $ 1.25 million
Net interest income $ 4.35 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.58 million
Total non interest expense $ 3.89 million
Pre-tax Net Operating Income $ 0.43 million

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