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Rondout Savings Bank

Kingston, NY · Cert 15969

SI · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rondout Savings Bank

Kingston, NY · Cert 15969

SI · FDIC · 5 branches

Q2 2026

$512.0MAssets
$411.6MLoans
$449.3MDeposits
$43.7MEquity
Loan mix
91%RE $374.5M7%C&I $27.8M3%Consumer $10.6MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $385.7M14%Noninterest $63.7MQ2 2025Q2 2026

NIM

4.20%Q2 ’244.25%Q2 ’254.28%Q2 ’26+3%+23%

Non-interest income vs. expense

2.24%Q2 ’242.44%Q2 ’252.42%Q2 ’26+9%+0%

Market Position · Kingston, NY · 2026 SOD (annual) · 8.6% share · #4 of 16 inst. · $0.4B of $5.0B

8.6% Ulster
0.3% Dutchess

Executive Summary

  • Earnings: ROA of 0.27%, up 32 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.19% of loans (-73 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.79%, up 50 bps from a year ago.
  • Funding: loans stand at 91.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.27%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.46%+46 bps YoY

Efficiency Ratio (YTD, annualized)

86.75%-1,697 bps YoY

Tier 1 Leverage Ratio

9.79%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.05%0.03%0.13%0.15%0.27%+32 bps
Return on Equity-0.59%0.44%1.63%1.78%3.19%+377 bps
Net Interest Margin2.00%2.09%2.18%2.43%2.46%+46 bps
Efficiency Ratio103.72%98.60%94.12%89.53%86.75%-1,697 bps
Non-Interest Burden2.09%2.06%2.03%2.15%2.09%0 bps
Growth
Asset Growth (YoY)-4.53%-5.60%-2.83%-3.20%-1.60%+292 bps
Loan Growth (YoY)-7.95%-6.80%-4.04%-2.14%0.50%+845 bps
Deposit Growth (YoY)4.65%2.89%3.32%-2.20%-2.06%-671 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.42%0.46%0.46%0.19%-73 bps
Net Charge-Offs / Loans0.00%0.06%0.04%0.00%0.00%0 bps
Allowance / Loans1.01%0.99%0.97%0.98%0.98%-3 bps
Allowance Coverage of NPLs1.1x2.3x2.1x2.1x5.1x+4.0x
Capital
Tier 1 Leverage Ratio9.29%9.38%9.58%9.71%9.79%+50 bps
Total Risk-Based Capital15.92%15.88%15.91%15.96%16.10%+18 bps
Equity / Assets7.85%8.19%8.45%8.45%8.54%+69 bps
Liquidity & Funding
Loans / Deposits89.26%90.76%91.86%93.13%91.60%+234 bps
Liquid Assets / Assets7.03%6.11%5.53%5.40%5.84%-118 bps
CRE / Total Capitaln/a186.33%186.90%185.25%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Rondout Savings Bank

Kingston, NY · Cert 15969 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 5 branches

Q2 2026

$512.0MAssets
$411.6MLoans
$449.3MDeposits
$43.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 74% of banks under $1B in assets operating in a single state (rank 198 of 743).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets operating in a single state (rank 703 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.27%

Rank 679 of 746

Net Interest Margin

2.46%

Rank 703 of 746

Efficiency Ratio

86.75%

Rank 672 of 746

Equity / Assets

8.54%

Rank 597 of 746

Non-interest income vs. expense

$1.7M$12.5MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state
Bank 86.75%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.27%0.72%1.06%1.45%Beats 9%679 / 746
Return on Equity3.16%6.74%10.51%13.63%Beats 12%659 / 746
Net Interest Margin2.46%3.17%3.68%4.16%Beats 6%703 / 746
Efficiency Ratio86.75%55.74%64.58%75.47%Beats 10%672 / 746
Asset Quality
Nonperforming Loans / Loans0.19%0.09%0.42%1.07%Beats 67%247 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 74%198 / 743
Capital
Tier 1 Capital Ratio14.86%11.55%13.75%17.60%Beats 60%299 / 746
Total Risk-Based Capital Ratio16.10%11.71%14.33%18.43%Beats 64%269 / 746
Equity / Assets8.54%8.90%10.51%13.06%Beats 20%597 / 746
Liquidity & Funding
Loans / Deposits91.60%61.31%78.27%90.78%77th pctl173 / 746
Loans / Assets80.38%53.60%66.97%76.08%86th pctl105 / 746
Brokered Deposits / Depositsn/aNot reported for this institution