Is Bank of Richmondville Safe?
Bank of Richmondville has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (54/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 25.84% | 100/100 |
| Nonperforming Loan Ratio | 0.28% | 94/100 |
| Liquidity Ratio | 48.47% | 100/100 |
| Return on Assets | 0.85% | 54/100 |
| Total Assets | $0.2B | |
How does Bank of Richmondville compare?
With a Bank Health Score of 94/100, Bank of Richmondville sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Bank of Richmondville ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 25.84% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.28% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Richmondville's Bank Health Score improved by 3.0 points to 94/100. Tier 1 capital strengthened by 1.24 percentage points to 25.84%. Quarter-over-quarter, the score rose by 2.0 points.
Bank of Richmondville has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (54/100).