Bank Comparison
The National Bank of Coxsackie vs Rondout Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | The National Bank of Coxsackie | Rondout Savings Bank |
|---|---|---|
| CET1 Ratio | 17.25% | 14.71% |
| Tier 1 Capital Ratio | 17.25% | 14.71% |
| Total Capital Ratio | 18.50% | 15.96% |
| Tier 1 Leverage Ratio | 9.26% | 9.71% |
| Equity / Assets | 8.51% | 8.45% |
Profitability
| Metric | The National Bank of Coxsackie | Rondout Savings Bank |
|---|---|---|
| Return on Assets (ROA) | -0.33% | 0.15% |
| Return on Equity (ROE) | -3.85% | 1.78% |
| Net Interest Margin (NIM) | 2.66% | 2.53% |
| Yield on Earning Assets | 4.33% | 4.41% |
| Cost of Funds | 1.79% | 2.01% |
Asset quality
| Metric | The National Bank of Coxsackie | Rondout Savings Bank |
|---|---|---|
| Texas Ratio | 3.72% | 4.02% |
| Non-Performing Loan Ratio | 0.49% | 0.46% |
| Non-Performing Asset Ratio | 0.34% | 0.37% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 0.99% | 0.98% |
Balance sheet
| Metric | The National Bank of Coxsackie | Rondout Savings Bank |
|---|---|---|
| Total Assets | $517,108K | $510,424K |
| Total Deposits | $457,683K | $443,374K |
| Total Loans | $360,071K | $412,908K |
| Total Equity | $44,031K | $43,153K |
| Net Income (quarter) | $-427 | $192 |
Liquidity & funding
| Metric | The National Bank of Coxsackie | Rondout Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.67% | 93.13% |
| Core Deposit Ratio | 91.31% | 81.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The National Bank of Coxsackie | Rondout Savings Bank |
|---|---|---|
| Headquarters City | Coxsackie | KINGSTON |
| Headquarters State | NY | NY |
| Asset Tier | Medium | Medium |
| Charter Class | 1398 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 70 | 63 |
| Established | Jan. 1, 1852, 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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