ULSTER SAVINGS BANK

KINGSTON, NY | Large | Est. April 13, 1851, midnight | FDIC #15970 | RSSD #301800 | FDIC
Latest Report: 2025-12-31

ULSTER SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in KINGSTON, NY, established in April 13, 1851, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 0.56% ROA and 6.47% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 13.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.35% and a Texas Ratio of 10.72%. FDIC Certificate #15970.

Assets

$1.4B

Deposits

$1.2B

Loans

$1.1B

Equity

$121M

Profitability

Return on Assets (ROA) 0.56%
Return on Equity (ROE) 6.47%
Net Interest Margin (NIM) 3.21%
Yield on Assets 4.87%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 1.35%
Net Charge-Off Ratio 0.03%
Texas Ratio 10.72%
NPA Ratio 1.03%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 13.84%
Tier 1 Capital 13.84%
Total Capital Ratio 15.07%
Leverage Ratio 9.53%
Loan-to-Deposit 86.39%

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