Bank Comparison
Champlain National Bank vs Rondout Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Champlain National Bank | Rondout Savings Bank |
|---|---|---|
| CET1 Ratio | — | 14.71% |
| Tier 1 Capital Ratio | — | 14.71% |
| Total Capital Ratio | — | 15.96% |
| Tier 1 Leverage Ratio | 10.70% | 9.71% |
| Equity / Assets | 7.36% | 8.45% |
Profitability
| Metric | Champlain National Bank | Rondout Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.79% | 0.15% |
| Return on Equity (ROE) | 10.89% | 1.78% |
| Net Interest Margin (NIM) | 3.53% | 2.53% |
| Yield on Earning Assets | 4.74% | 4.41% |
| Cost of Funds | 1.30% | 2.01% |
Asset quality
| Metric | Champlain National Bank | Rondout Savings Bank |
|---|---|---|
| Texas Ratio | 14.10% | 4.02% |
| Non-Performing Loan Ratio | 1.72% | 0.46% |
| Non-Performing Asset Ratio | 1.14% | 0.37% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.05% | 0.98% |
Balance sheet
| Metric | Champlain National Bank | Rondout Savings Bank |
|---|---|---|
| Total Assets | $500,247K | $510,424K |
| Total Deposits | $448,328K | $443,374K |
| Total Loans | $330,326K | $412,908K |
| Total Equity | $36,797K | $43,153K |
| Net Income (quarter) | $1,002K | $192 |
Liquidity & funding
| Metric | Champlain National Bank | Rondout Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.68% | 93.13% |
| Core Deposit Ratio | 93.87% | 81.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Champlain National Bank | Rondout Savings Bank |
|---|---|---|
| Headquarters City | ELIZABETHTOWN | KINGSTON |
| Headquarters State | NY | NY |
| Asset Tier | Medium | Medium |
| Charter Class | 9405 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 10 | 5 |
| Employees (FTE) | 74 | 63 |
| Established | Jan. 1, 1934, midnight | March 24, 1868, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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