RONDOUT SAVINGS BANK

KINGSTON, NY | Medium | Est. March 24, 1868, midnight | FDIC #15969 | RSSD #425108 | FDIC
Latest Report: 2025-12-31

RONDOUT SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in KINGSTON, NY, established in March 24, 1868, midnight. As of 2025-12-31, the bank reported total assets of $512M and total deposits of $449M. Profitability stands at 0.42% ROA and 5.05% ROE, with a net interest margin of 2.63%. The bank's CET1 capital ratio is 14.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.99%. FDIC Certificate #15969.

Assets

$512M

Deposits

$449M

Loans

$412M

Equity

$43M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 5.05%
Net Interest Margin (NIM) 2.63%
Yield on Assets 4.72%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.04%
Texas Ratio 3.99%
NPA Ratio 0.37%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 14.68%
Tier 1 Capital 14.68%
Total Capital Ratio 15.91%
Leverage Ratio 9.58%
Loan-to-Deposit 91.86%

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