RIDGEWOOD SAVINGS BANK

RIDGEWOOD, NY | Large | Est. June 18, 1921, midnight | FDIC #16026 | RSSD #859712 | FDIC
Latest Report: 2025-12-31

RIDGEWOOD SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in RIDGEWOOD, NY, established in June 18, 1921, midnight. As of 2025-12-31, the bank reported total assets of $7.5B and total deposits of $5.9B. Profitability stands at 0.50% ROA and 3.96% ROE, with a net interest margin of 2.21%. The bank's CET1 capital ratio is 10.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.56% and a Texas Ratio of 7.78%. FDIC Certificate #16026.

Assets

$7.5B

Deposits

$5.9B

Loans

$4.9B

Equity

$941M

Profitability

Return on Assets (ROA) 0.50%
Return on Equity (ROE) 3.96%
Net Interest Margin (NIM) 2.21%
Yield on Assets 4.53%
Cost of Funds 2.70%

Asset Quality

NPL Ratio 1.56%
Net Charge-Off Ratio 0.12%
Texas Ratio 7.78%
NPA Ratio 1.02%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 10.66%
Tier 1 Capital 10.66%
Total Capital Ratio 11.19%
Leverage Ratio 13.11%
Loan-to-Deposit 82.42%

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