Ulster Savings Bank
Kingston, NY · Cert 15970 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
SI · FDIC · 15 branches
Q2 2026
$1.4BAssets
$1.0BLoans
$1.2BDeposits
$124.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 68% of banks $1B-$10B in assets operating in a single state (rank 83 of 258).
- Widest gap: efficiency ratio trails 93% of banks $1B-$10B in assets operating in a single state (rank 239 of 257).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.55%
Rank 236 of 258
Net Interest Margin
2.97%
Rank 211 of 258
Efficiency Ratio
82.64%
Rank 239 of 257
Equity / Assets
8.95%
Rank 203 of 258
Non-interest income vs. expense
Unfavorable gap of $31.6M · efficiency ratio beats 7% of banks $1B-$10B 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 | 0.55% | 0.93% | 1.23% | 1.54% | Beats 9% | 236 / 258 | | |
| Return on Equity | 6.15% | 9.26% | 11.84% | 14.74% | Beats 11% | 230 / 258 | | |
| Net Interest Margin | 2.97% | 3.16% | 3.49% | 3.88% | Beats 18% | 211 / 258 | | |
| Efficiency Ratio | 82.64% | 51.71% | 60.30% | 69.65% | Beats 7% | 239 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.19% | 0.46% | 0.90% | Beats 13% | 226 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 48% | 136 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 11.41% | 12.98% | 15.12% | Beats 64% | 93 / 258 | | |
| Total Risk-Based Capital Ratio | 15.18% | 12.10% | 13.91% | 16.08% | Beats 68% | 83 / 258 | | |
| Equity / Assets | 8.95% | 9.09% | 10.24% | 11.72% | Beats 21% | 203 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.49% | 73.24% | 86.34% | 95.95% | 46th pctl | 139 / 258 | | |
| Loans / Assets | 75.10% | 63.01% | 72.27% | 78.40% | 60th pctl | 104 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |