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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 $0.0BQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $5.4B10%Noninterest $0.6BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.36%0.29%0.44%0.50%0.50%0.52%0.70%+26 bps
Return on Equity3.65%3.00%2.44%3.61%4.12%4.08%4.11%5.53%+192 bps
Net Interest Margin1.62%1.61%1.70%1.73%1.76%1.81%2.01%2.01%+27 bps
Efficiency Ratio83.61%83.86%78.21%78.74%77.31%74.54%65.08%67.30%-1,144 bps
Non-Interest Burden1.28%1.28%1.25%1.29%1.28%1.27%1.18%1.23%-6 bps
Growth
Asset Growth (YoY)4.29%3.13%4.31%4.08%2.94%4.04%3.32%3.31%-77 bps
Loan Growth (YoY)4.41%4.69%3.96%4.31%4.18%3.82%2.13%0.97%-334 bps
Deposit Growth (YoY)2.50%3.17%3.88%3.94%3.88%4.46%4.11%4.05%+12 bps
Asset Quality
Nonperforming Loans / Loans1.65%1.70%1.74%1.93%1.74%1.58%1.64%1.85%-8 bps
Net Charge-Offs / Loans0.02%0.02%0.04%0.03%0.06%0.12%0.03%0.18%+15 bps
Allowance / Loans0.72%0.75%0.75%0.79%0.78%0.77%0.77%0.73%-6 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.4x0.5x0.5x0.4x0.0x
Capital
Tier 1 Leverage Ratio13.20%13.08%13.02%13.11%13.18%13.11%13.14%13.27%+16 bps
Total Risk-Based Capital13.20%13.08%13.02%13.11%13.18%13.11%13.14%13.27%+16 bps
Equity / Assets12.06%11.97%12.09%12.32%12.46%12.58%12.58%12.75%+43 bps
Liquidity & Funding
Loans / Deposits82.91%82.93%82.51%83.59%83.15%82.42%80.94%81.12%-247 bps
Liquid Assets / Assets10.43%10.35%10.74%10.24%10.09%10.38%10.45%9.14%-111 bps
CRE / Total Capitaln/an/an/an/a260%258%252%n/an/a