Bank Comparison
Rondout Savings Bank vs Austin County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
2 · 17
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Rondout Savings Bank | Austin County State Bank |
|---|---|---|
| CET1 Ratio | 14.71% | — |
| Tier 1 Capital Ratio | 14.71% | — |
| Total Capital Ratio | 15.96% | — |
| Tier 1 Leverage Ratio | 9.71% | 9.61% |
| Equity / Assets | 8.45% | 9.21% |
Profitability
| Metric | Rondout Savings Bank | Austin County State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.15% | 2.58% |
| Return on Equity (ROE) | 1.78% | 27.16% |
| Net Interest Margin (NIM) | 2.53% | 4.99% |
| Yield on Earning Assets | 4.41% | 6.65% |
| Cost of Funds | 2.01% | 1.79% |
Asset quality
| Metric | Rondout Savings Bank | Austin County State Bank |
|---|---|---|
| Texas Ratio | 4.02% | 1.66% |
| Non-Performing Loan Ratio | 0.46% | 0.06% |
| Non-Performing Asset Ratio | 0.37% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.98% | 1.75% |
Balance sheet
| Metric | Rondout Savings Bank | Austin County State Bank |
|---|---|---|
| Total Assets | $510,424K | $510,715K |
| Total Deposits | $443,374K | $459,520K |
| Total Loans | $412,908K | $368,690K |
| Total Equity | $43,153K | $47,061K |
| Net Income (quarter) | $192 | $3,210K |
Liquidity & funding
| Metric | Rondout Savings Bank | Austin County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.13% | 80.23% |
| Core Deposit Ratio | 81.21% | 87.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Rondout Savings Bank | Austin County State Bank |
|---|---|---|
| Headquarters City | KINGSTON | BELLVILLE |
| Headquarters State | NY | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 63 | 64 |
| Established | March 24, 1868, midnight | June 26, 2007, 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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