BanksRONDOUT SAVINGS BANK

RONDOUT SAVINGS BANK

KINGSTON, NYMediumEst. March 24, 1868, midnightFDIC #15969RSSD #425108FDIC
Latest · 2025-12-31

RONDOUT SAVINGS BANK is an 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%. CET1 capital ratio: 14.68%, well above regulatory minimums. NPL ratio: 0.46% · Texas Ratio: 3.99%. Operates 5 domestic branches.

Assets
$512M
Deposits
$449M
Loans
$412M
Equity
$43M

Profitability

Return on Assets (ROA)0.42%
Return on Equity (ROE)5.05%
Net Interest Margin2.63%
Yield on Assets4.72%
Cost of Funds2.11%

Asset Quality

NPL Ratio0.46%
Net Charge-Off Ratio0.04%
Texas Ratio3.99%
NPA Ratio0.37%
ACL / Loans0.97%

Capital & Liquidity

CET1 Ratio14.68%
Tier 1 Capital14.68%
Total Capital Ratio15.91%
Leverage Ratio9.58%
Loan-to-Deposit91.86%

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