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.
Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 12956
Date Established
1893
Assets
$ 180.56 million
Loans
$ 83.77 million
Deposits
$ 161.08 million
Capital
$ 18.73 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 10.31 million
Interest-bearing balances
$ 9.15 million
Total securities
$ 76.82 million
Federal funds sold and reverse repurchase
$ 0.63 million
Net loans and leases
$ 83.77 million
Loan loss allowance
$ 1.29 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 7.61 million
Total Assets
$ 161.83 million
LIABILITIES
Total deposits
$ 161.08 million
Interest-bearing deposits
$ 126.81 million
Deposits held in domestic offices
$ 161.08 million
% insured (estimated)"
85.56%
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
$ 161.83 million
Shareholders’ Equity
$ 18.73 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 7.48 million
Total Interest Expense
$ 1.66 million
Net interest income
$ 5.82 million
Provision for loan and lease losses
$ 0.08 million
Total non interest income
$ 0.87 million
Total non interest expense
$ 5.24 million
Pre-tax Net Operating Income
$ 0.43 million
Customer Reviews for Bank of Richmondville
There are currently no comments for Bank of Richmondville. Be the first to share your experience. Please provide comments that will help others.
Branches
Click on location and enter new zip number to change."
Your current location is: Phoenix, AZ
There are currently no comments for Bank of Richmondville. Be the first to share your experience. Please provide comments that will help others.