NY lenders / Community Bank
Bank of Richmondville
Community Bank · Cobleskill, NY
- Total assets
- $192.9M
- CRE loan book
- $16.0M
- QoQ CRE growth
- -0.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.23% as of Q1 2026 — TX bank median 4.87% (0.37pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.23% | 5.42% |
| Q4 2025 | 5.56% | 5.61% |
| Q3 2025 | 5.57% | 5.67% |
| Q2 2025 | 5.34% | 5.45% |
| Q1 2025 | 5.28% | 5.35% |
| Q4 2024 | 5.34% | 5.35% |
| Q3 2024 | 5.08% | 5.06% |
| Q2 2024 | 4.87% | 4.86% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $16.0M | $1.3M | $9.7M | 48% | $0 |
| Q4 2025 | $16.0M | $1.3M | $9.1M | 46% | $0 |
| Q3 2025 | $15.7M | $1.1M | $9.2M | 46% | $0 |
| Q2 2025 | $16.8M | $1.0M | $9.4M | 47% | $0 |
| Q1 2025 | $17.3M | $1.1M | $9.6M | 49% | $0 |
| Q4 2024 | $18.1M | $1.0M | $10.3M | 52% | $0 |
| Q3 2024 | $18.7M | $1.6M | $10.3M | 53% | $0 |
| Q2 2024 | $16.4M | $1.9M | $7.5M | 42% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Eagle Valley BankCommunity Bank · Griggsville · $16.0M CRE book
- The Bank of Beaver CityCommunity Bank · Beaver · $15.8M CRE book
- The Citizens-Farmers Bank of Cole CampCommunity Bank · Cole Camp · $16.1M CRE book
- The Farmers State BankCommunity Bank · Mcpherson · $16.1M CRE book
- The Antwerp Exchange Bank CompanyCommunity Bank · Antwerp · $15.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.