# BANK OF RICHMONDVILLE
COBLESKILL, NY · FDIC certificate 12956 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $185.9M | |
| Deposits | $166.4M | |
| Loans and leases | $84.7M | |
| Total equity | $18.7M | |
| Loans / deposits | 50.08% (p19 of band) | 73.59% |
| Liquid assets / assets | 50.29% (p78 of band) | |
| Uninsured deposits / deposits | 16.26% (p36 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.54% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -23.72% (p19 of band) | -6.57% |
| AOCI / equity | -2.49% (p9 of band) | |
| ROA (annualized) | 0.70% (p25 of band) | 1.17% |
| Net interest margin | 3.37% (p24 of band) | 3.93% |
| Efficiency ratio | 77.57% (p74 of band) | |
| Noncurrent loans | 0.18% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p70 of band) | |
| Reserve coverage of noncurrent | 892.67% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 14.01% (p45 of band) | |
| Auto loans | $804,000 (0.95% of loans; DQ 2.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | capital falling, reserve under noncurrent |  |
| 2019-03 | 2 | charge-offs p90 | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 2 | capital falling, NIM <2.5% | reserve under noncurrent |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | reserve under noncurrent | capital falling, NIM <2.5% |
| 2022-12 | 2 |  | reserve under noncurrent |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-10 [Susan D. Sperbeck Obituary (2026) - Cobleskill, NY - Mereness-Putnam Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNdnNZemhaVlU5aWUyX1pCZE5BNURtY3RLMlRGeHB4Rk5FMFIzZGh3cEtJdEJxV08tTFN6ZDlMNVg1RlZnM0NmbE5scDhaRUEtSkJBcGI0empLYkZQQWJZcHhkUTlXaXJ5OGk5eVhiZDFCc1R3R0NTSzVQOERMeVBLcDFjcw?oc=5) · legacy.com
- 2026-06-11 [Friends of Bassett Healthcare Network Raises Over $121,000 at Annual Invitational Golf Tournament - Bassett Healthcare Network](https://news.google.com/rss/articles/CBMiugFBVV95cUxPOElZVXNaVGxCSTQ1ejQ5UE51WWxDYkVxLWE3eEdmLUhuWk84RU1TaUhacnprRWdKaDF0WWx1cEdldzI4Vjg0elhGYTYxNFc0WGRtMXlMSE11VlVaOHF0YnoyTXlLRUNDOTBkV2xIendTNUM5V1hYV1F6VEtUR1BjN28zOVQ0SzZ6VVlXQUZtaldZWkNybmRzSzdJQ3NrSDJvdzU3bS1KYjZFRUZvSXF2OTVISDhYdGloZGc?oc=5) · Bassett Healthcare Network
- 2019-10-04 [Reflections Memorial to be unveiled at site of fatal Schoharie limo crash - WRGB](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPZ1BUTnZpVmF4Nm1WU0pzSEo5S2F4WkFqQmNCcC1mdWJxTmZxYUpnWTktMzN0aTUtMWlVR3g1S3ZMc19RWk8tbXVpZWVXYnNRRlJmbzV2Zktkbi1XeG01RF95MjJ5QThIeVMzZFRLOE1VcEpzWEZ1T2IwbHFkY18wdURrYzJMOWFTUFFaUnZlV0RLSFRDX3NxYXNyUWQwMmgyWEdSMEtzQ0NxdDA?oc=5) · WRGB
- 2019-09-04 [Limo crash memorial donated to State Museum - Times Union](https://news.google.com/rss/articles/CBMinAFBVV95cUxPVnI3bU5VWGRNelY2aUJXQ25fYWx6RU5PSmJaS2p6cjljU0lQeldCRlVPLTk3cjhIZ3pMdmp5SjFLSkE3a3RRMEtSeFpSaVVHd3NETkJBME0wWFlIaHFwWENqYnp4TVROZHFlYldWVzBYUjJxdVJRZUpUNnBkeTZ0RWRmZU4wTThQR1ZVc041ZEd6Znd6ZE1OR2ZDZjA?oc=5) · Times Union
- 2022-08-17 [Maurice Sperbeck Obituary (1929 - 2022) - Schenectady, NY - The Daily Gazette Co. - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVjBUMVVDeW44U3EwX01ZUm56NGVLb0h2ZFNBX2dNODRNMktwNGRyRy1OOXU0TWkxak01Q0hzZUZLaThFRHBPZDdEZm9sTVBWejRLU21NRFRISU82N2RiQjFZdjM0dHM0emlFYnNlVzFvV0gxbWt6OVhqQUp0SVJmdzl4QVFEVkJIanZwV3VFVEhKMkNuZ3lJ?oc=5) · legacy.com
- 2023-08-01 [Patricia Ann Shepard Obituary (2023) - Cherry Valley, NY - Ottman Funeral Home - Cherry Valley - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNekgxVGdxeFVuWWxYUml3eVZOTmdnZk5RaUwxbWQzUXVFbGNXbW9VNldtanhZNEQxNXd1VGRjaXFxd1BWdG80bGs2dDZkNnEzU2U2X1FBLUlmRVM0YjhqZHczWkFBdDhvZGtiN3lUYXBYUEx3bmFmdm01RW4zZ1FpbVMzYnlQQQ?oc=5) · legacy.com
- 2019-06-25 [Robert Santos Obituary (2019) - Cobleskill, NY - Langan Funeral Home - Schoharie - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWlk4cEpKaTZ0S0VqdmNOM0hSZmwzVTVrbGkza1R1dk1RNHpIWjJEZ2pyOTlNY2d4OHMzQkxxeEVpTWtaMTVJY3ZTdkViT09GT1BuZF9CZXNMN1J0S2UzbEh1NmNSZ245alhhSHd2dDhVWWZoT1g3WTd6dE44U0RRV3RnSXI?oc=5) · legacy.com
- 2018-04-11 [Charles Eaves Obituary (1924 - 2018) - Hamilton, NY - The Daily Gazette Co. - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcDY2MzhkVi15VGdRd21YRW5MVGlUazVEVjV5REEzQ21maGNtVndkNy1yMGUxazhXVlpMVjE4b28wVkxJdGZneDRvM1hRbmRHcmFFNVpkNXBiZF9kbjZWR2lxZkIwLXJWT1NBOXJJR3FuMFlTLUFTT2Y5Qk05Q2tRMDI5NHNwTEtTb0lleDR0RzFndFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12956 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "12956", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide