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
Unfavorable gap of $10.8M · efficiency ratio beats 10% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.72% | 1.06% | 1.45% | Beats 9% | 679 / 746 | | |
| Return on Equity | 3.16% | 6.74% | 10.51% | 13.63% | Beats 12% | 659 / 746 | | |
| Net Interest Margin | 2.46% | 3.17% | 3.68% | 4.16% | Beats 6% | 703 / 746 | | |
| Efficiency Ratio | 86.75% | 55.74% | 64.58% | 75.47% | Beats 10% | 672 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.42% | 1.07% | Beats 67% | 247 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 74% | 198 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.86% | 11.55% | 13.75% | 17.60% | Beats 60% | 299 / 746 | | |
| Total Risk-Based Capital Ratio | 16.10% | 11.71% | 14.33% | 18.43% | Beats 64% | 269 / 746 | | |
| Equity / Assets | 8.54% | 8.90% | 10.51% | 13.06% | Beats 20% | 597 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.60% | 61.31% | 78.27% | 90.78% | 77th pctl | 173 / 746 | | |
| Loans / Assets | 80.38% | 53.60% | 66.97% | 76.08% | 86th pctl | 105 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |