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Ridgewood Savings Bank

Ridgewood, NY · Cert 16026

SI · FDIC · 38 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

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 $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

43

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

Ridgewood Savings Bank

Ridgewood, NY · Cert 16026

SI · FDIC · 38 branches

Q2 2026

$7.5BAssets
$4.9BLoans
$6.0BDeposits
$962.5MEquity
Loan mix
100%RE $4.8B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $5.4B10%Noninterest $0.6BQ2 2025Q2 2026

NIM

3.61%Q2 ’243.81%Q2 ’253.99%Q2 ’26+5%+16%

Non-interest income vs. expense

1.51%Q2 ’241.50%Q2 ’251.51%Q2 ’260%-4%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.2% share · #39 of 151 inst. · $6.0B of $2921.1B

4.4% Queens
1.0% Nassau
0.7% Kings
1.9% Bronx

Executive Summary

  • Earnings: ROA of 0.70%, up 26 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 1.85% of loans (-8 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 13.27%, up 16 bps from a year ago.
  • Funding: loans stand at 81.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.01%+27 bps YoY

Efficiency Ratio (YTD, annualized)

67.30%-1,144 bps YoY

Tier 1 Leverage Ratio

13.27%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.50%0.50%0.52%0.70%+26 bps
Return on Equity3.61%4.12%4.08%4.11%5.53%+192 bps
Net Interest Margin1.73%1.76%1.81%2.01%2.01%+27 bps
Efficiency Ratio78.74%77.31%74.54%65.08%67.30%-1,144 bps
Non-Interest Burden1.29%1.28%1.27%1.18%1.23%-6 bps
Growth
Asset Growth (YoY)4.08%2.94%4.04%3.32%3.31%-77 bps
Loan Growth (YoY)4.31%4.18%3.82%2.13%0.97%-334 bps
Deposit Growth (YoY)3.94%3.88%4.46%4.11%4.05%+12 bps
Asset Quality
Nonperforming Loans / Loans1.93%1.74%1.58%1.64%1.85%-8 bps
Net Charge-Offs / Loans0.03%0.06%0.12%0.03%0.18%+15 bps
Allowance / Loans0.79%0.78%0.77%0.77%0.73%-6 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.5x0.4x0.0x
Capital
Tier 1 Leverage Ratio13.11%13.18%13.11%13.14%13.27%+16 bps
Total Risk-Based Capital13.11%13.18%13.11%13.14%13.27%+16 bps
Equity / Assets12.32%12.46%12.58%12.58%12.75%+43 bps
Liquidity & Funding
Loans / Deposits83.59%83.15%82.42%80.94%81.12%-247 bps
Liquid Assets / Assets10.24%10.09%10.38%10.45%9.14%-111 bps
CRE / Total Capitaln/a260%258%252%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

Ridgewood Savings Bank

Ridgewood, NY · Cert 16026 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36)

SI · FDIC · 38 branches

Q2 2026

$7.5BAssets
$4.9BLoans
$6.0BDeposits
$962.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 64% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 13 of 36).
  • Widest gap: net interest margin trails 89% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 32 of 36).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.70%

Rank 24 of 36

Net Interest Margin

2.01%

Rank 32 of 36

Efficiency Ratio

67.30%

Rank 21 of 35

Equity / Assets

12.75%

Rank 13 of 36

Non-interest income vs. expense

$20.9M$115.0MINCOMEEXPENSE
Unfavorable gap of $94.1M · efficiency ratio beats 43% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 67.30%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.65%1.00%1.72%Beats 33%24 / 36
Return on Equity5.46%5.35%9.30%13.56%Beats 29%25 / 35
Net Interest Margin2.01%2.66%3.13%3.63%Beats 11%32 / 36
Efficiency Ratio67.30%52.19%63.09%75.14%Beats 43%21 / 35
Asset Quality
Nonperforming Loans / Loans1.85%0.46%0.84%1.59%Beats 22%29 / 36
Net Charge-Offs / Loans0.09%n/a0.03%0.14%Beats 31%26 / 36
Capital
Tier 1 Capital Ratio13.27%13.13%14.78%18.34%Beats 28%26 / 36
Total Risk-Based Capital Ratio13.27%13.73%15.96%19.27%Beats 22%28 / 36
Equity / Assets12.75%9.80%11.58%14.82%Beats 64%13 / 36
Liquidity & Funding
Loans / Deposits81.12%81.12%95.13%103.24%25th pctl27 / 36
Loans / Assets64.61%67.44%76.31%84.79%22nd pctl28 / 36
Brokered Deposits / Depositsn/aNot reported for this institution