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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 75thStandingRank8-Qtr TrendPeer 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