Ulster Savings Bank: Financial Reports & UBPR Data
BankRegReports is independent of Ulster Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Ulster Savings Bank spends more to run itself than most banks of its size. It reported $1.4 billion in assets at June 30, 2026. It earns about $0.51 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $1.8 million, 32% above the same quarter a year earlier. Unrealized losses on its securities total $24 million, equal to 17% of Tier 1 capital, against 21% a year earlier. Credit is the area to watch: it carries problem assets equal to 12.1% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Ulster Savings Bank reported a CET1 capital ratio of 13.97%, a return on assets of 0.51%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 12.06%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 180 Schwenk Dr, Kingston, NY 12401
- County
- Ulster
- Metro Area
- Kingston, NY
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 13, 1851
- Former names
- Ulster County Savings Bank (1971-1972)
- Offices
- 15 domestic
- Employees (FTE)
- 236
- Domestic deposits
- $1.24B
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- $162K
- Average total assets
- $1.41B
- Average total loans
- $1.05B
- Average interest-bearing deposits
- $1.18B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 15970
- Fed RSSD
- 301800
- Website
- www.ulstersavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ulster Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ulster Savings Bank, freeUlster Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.97% | 0.51% | 1.54% | 12.06% | 3.19% |
| Q1 2026 | 14.24% | 0.59% | 1.37% | 10.87% | 3.18% |
| Q4 2025 | 13.84% | 0.55% | 1.35% | 10.91% | 3.11% |
| Q3 2025 | 13.92% | 0.48% | 1.43% | 11.47% | 2.96% |
| Q2 2025 | 13.68% | 0.39% | 1.42% | 11.68% | 2.90% |
| Q1 2025 | 13.58% | 0.28% | 1.64% | 13.81% | 2.75% |
| Q4 2024 | 13.54% | 0.31% | 1.02% | 8.86% | 2.60% |
| Q3 2024 | 13.45% | 0.24% | 0.77% | 6.59% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ulster Savings Bank (main office) | Kingston , NY | 12401 | $216.9M |
| New Paltz Branch | New Paltz , NY | 12561 | $199.4M |
| Stone Ridge Branch | Stone Ridge , NY | 12484 | $147.5M |
| Wall Street Branch | Kingston , NY | 12401 | $105.1M |
| Poughkeepsie Ii Branch | Poughkeepsie , NY | 12601 | $80.5M |
| Woodstock Branch | Woodstock , NY | 12498 | $67.3M |
| Phoenicia Branch | Phoenicia , NY | 12464 | $66.0M |
| Saugerties Branch | Saugerties , NY | 12477 | $60.3M |
| Gardiner Branch | Gardiner , NY | 12525 | $55.7M |
| Poughkeepsie Branch | Poughkeepsie , NY | 12603 | $53.2M |
| Newburgh Office Branch | Newburgh , NY | 12550 | $52.7M |
| Red Hook Branch | Red Hook , NY | 12571 | $50.0M |
| Lake Katrine Branch | Lake Katrine , NY | 12449 | $33.5M |
| Wappingers Falls Branch | Wappingers Falls , NY | 12590 | $28.6M |
| Hyde Park Branch Office | Hyde Park , NY | 12538 | $20.4M |
Regulatory record
What the public regulatory sources show for Ulster Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 70 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.5M approved, $3.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Ulster Savings Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Ulster Savings Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Ulster Savings Bank
What are Ulster Savings Bank's total assets?
As of the Q2 2026 filing, Ulster Savings Bank reported total assets of $1.39 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ulster Savings Bank headquartered?
Ulster Savings Bank is headquartered in Kingston, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Ulster Savings Bank founded?
Ulster Savings Bank was established in 1851, per the FDIC institution directory.
Is Ulster Savings Bank FDIC-insured?
Yes. Ulster Savings Bank is an FDIC-insured savings bank (FDIC Certificate #15970). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ulster Savings Bank?
Ulster Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ulster Savings Bank's CET1 capital ratio?
Ulster Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ulster Savings Bank operate?
Ulster Savings Bank operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ulster Savings Bank's Texas Ratio?
Ulster Savings Bank's Texas Ratio is 12.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Ulster Savings Bank previously called?
The charter now named Ulster Savings Bank has also operated as Ulster County Savings Bank (1971-1972), per FDIC structure-change records.
Go deeper on Ulster Savings Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Ulster Savings Bank, freeFree account