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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 $10.6MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $385.7M14%Noninterest $63.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.06%-0.07%-0.05%0.03%0.13%0.15%0.27%+32 bps
Return on Equity1.72%0.83%-0.92%-0.59%0.44%1.63%1.78%3.19%+377 bps
Net Interest Margin1.95%1.92%1.94%2.00%2.09%2.18%2.43%2.46%+46 bps
Efficiency Ratio100.53%102.94%107.16%103.72%98.60%94.12%89.53%86.75%-1,697 bps
Non-Interest Burden1.97%1.99%2.11%2.09%2.06%2.03%2.15%2.09%0 bps
Growth
Asset Growth (YoY)-2.36%-6.58%-5.44%-4.53%-5.60%-2.83%-3.20%-1.60%+292 bps
Loan Growth (YoY)0.00%-3.79%-6.04%-7.95%-6.80%-4.04%-2.14%0.50%+845 bps
Deposit Growth (YoY)-7.65%-7.01%-1.85%4.65%2.89%3.32%-2.20%-2.06%-671 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.97%0.88%0.92%0.42%0.46%0.46%0.19%-73 bps
Net Charge-Offs / Loans0.02%0.03%0.00%0.00%0.06%0.04%0.00%0.00%0 bps
Allowance / Loans1.03%1.00%0.98%1.01%0.99%0.97%0.98%0.98%-3 bps
Allowance Coverage of NPLs3.4x1.0x1.1x1.1x2.3x2.1x2.1x5.1x+4.0x
Capital
Tier 1 Leverage Ratio8.95%9.06%9.19%9.29%9.38%9.58%9.71%9.79%+50 bps
Total Risk-Based Capital14.77%15.33%15.55%15.92%15.88%15.91%15.96%16.10%+18 bps
Equity / Assets7.59%7.58%7.75%7.85%8.19%8.45%8.45%8.54%+69 bps
Liquidity & Funding
Loans / Deposits100.19%98.90%93.08%89.26%90.76%91.86%93.13%91.60%+234 bps
Liquid Assets / Assets3.97%3.92%5.88%7.03%6.11%5.53%5.40%5.84%-118 bps
CRE / Total Capitaln/an/an/an/a186.33%186.90%185.25%n/an/a