Ridgewood Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Ridgewood Savings Bank is an FDIC-insured savings bank headquartered in Ridgewood, NY, established in 1921 (FDIC certificate 16026), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.55B, up 3.3% from Q2 2025, the 17th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16026
- Headquarters
- Ridgewood, NY
- Established
- 1921
- Total assets, Q2 2026
- $7.55B
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 13.27%
- Domestic offices
- 38 FDIC institution directory, current count
- Routing number
- 226071033
- Latest call report
- Q2 2026, FFIEC 041 · Ridgewood Savings Bank call report
- Asset rank in state
- 17th of 105 in New York
Ridgewood Savings Bank, based in Ridgewood, New York, reported $7.5 billion in assets at June 30, 2026, up 3.3% from a year earlier. It keeps 2.08 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds 10% of its deposits (10%) above the FDIC insurance limit, about a third the median of 30.9% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $11 million on paper in the quarter, out of $22 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Unrealized losses on its securities total $171 million, equal to 17% of Tier 1 capital, against 21% a year earlier. Credit is the area to watch: it carries problem assets equal to 9.8% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Ridgewood Savings Bank reported a return on assets of 0.87%, a nonperforming-loan ratio of 1.85% and a Texas ratio of 9.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Ridgewood Savings Bank is the 17th largest of the 105 banks headquartered in New York. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $7.55B, loans rose 0.2% and deposits were flat. 1-4 family residential loans made up 49.3% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 41.8%. Its 38 offices in the FDIC Summary of Deposits are in 24 cities in NY; its Ridgewood 2 offices book 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ridgewood Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7102 Forest Ave, Ridgewood, NY 11385
- County
- Queens
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 18, 1921
- Domestic offices
- 38 FDIC institution directory, current count
- Employees (FTE)
- 523
- Domestic deposits
- $6.01B
- Allowance for credit losses
- $35.5M
- Net charge-offs (YTD)
- $4.5M
- Average total assets
- $7.63B
- Average total loans
- $4.86B
- Average interest-bearing deposits
- $5.50B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 16026
- Fed RSSD
- 859712
- Website
- www.ridgewoodbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Ridgewood Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Ridgewood Savings Bank's total assets ranged from $6.87B (Q3 2023) to $7.55B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.55B total assets against $7.31B; $6.59B total liabilities against $6.41B.
$4.84B net loans and leases against $4.79B; $6.01B total deposits against $5.78B.
$1.75B securities against $1.65B; $344.8M cash and balances due against $349.1M.
$76.5M total interest income against $71.0M; $38.8M total interest expense against $39.0M.
$37.7M net interest income against $32.0M.
$5.1M total noninterest income against $3.8M; $29.7M total noninterest expense against $28.4M.
$2.4M provision for credit losses against $2.7M.
$16.6M net income against $10.6M.
0.87% return on assets against 0.57%; 2.08% net interest margin against 1.82%.
13.27% tier 1 leverage ratio against 13.11%.
Inside the full Ridgewood Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Ridgewood Savings Bank rankings
Its closest position to the top of a national ranking is 204 of 4,196, for total assets; its furthest is 935 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.13% (Q4 2024) to 0.87% (Q2 2026) and its net interest margin ran from 1.64% (Q3 2024) to 2.11% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.27% | 0.87% | 1.85% | 9.83% | 2.08% |
| Q1 2026 | 13.14% | 0.51% | 1.64% | 8.82% | 2.07% |
| Q4 2025 | 13.11% | 0.49% | 1.58% | 8.58% | 2.11% |
| Q3 2025 | 13.18% | 0.63% | 1.74% | 9.67% | 1.87% |
| Q2 2025 | 13.11% | 0.57% | 1.93% | 10.86% | 1.82% |
| Q1 2025 | 13.02% | 0.29% | 1.74% | 9.93% | 1.74% |
| Q4 2024 | 13.08% | 0.13% | 1.70% | 9.84% | 1.68% |
| Q3 2024 | 13.20% | 0.45% | 1.65% | 9.44% | 1.64% |
Swipe the table sideways to see every column.
Branch Network
View all 38 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Web Bank Branch | Ridgewood , NY | 11385 | $1.48B |
| Ridgewood Savings Bank (main office) | Ridgewood , NY | 11385 | $498.3M |
| Forest Hills Branch | Forest Hills , NY | 11375 | $307.2M |
| Garden City Branch | Garden City Park , NY | 11040 | $289.1M |
| Franklin Square Branch | Franklin Square , NY | 11010 | $224.5M |
| Whitestone Branch | Flushing , NY | 11354 | $222.3M |
| Hollis Branch | Hollis , NY | 11423 | $187.3M |
| Laurelton Branch | Laurelton , NY | 11413 | $174.2M |
| Breezy Point Branch | Breezy Point , NY | 11697 | $171.0M |
| Grand Avenue Branch | Elmhurst , NY | 11373 | $170.6M |
| Bellmore Branch | Bellmore , NY | 11710 | $167.6M |
| Hicksville Branch | Hicksville , NY | 11801 | $156.8M |
| Glendale Branch | Glendale , NY | 11385 | $143.9M |
| Bay Ridge Branch | Brooklyn , NY | 11209 | $139.3M |
| Mclean Avenue Branch | Yonkers , NY | 10704 | $129.3M |
| Baldwin Branch | Baldwin , NY | 11510 | $128.2M |
| Yorkville Branch | New York , NY | 10028 | $101.0M |
| Astoria Branch | Astoria , NY | 11105 | $99.6M |
| Bayside Branch | Bayside , NY | 11360 | $98.4M |
| Sheepshead Bay Branch | Brooklyn , NY | 11235 | $94.9M |
| Lindenhurst Branch | Lindenhurst , NY | 11757 | $94.9M |
| Bensonhurst Branch | Brooklyn , NY | 11204 | $93.2M |
| Cobble Hill Branch | Brooklyn , NY | 11201 | $78.2M |
| West Babylon Branch | West Babylon , NY | 11704 | $74.8M |
| Morris Park Branch | Bronx , NY | 10461 | $69.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 13, 2007 | Structure Change | Acquired City and Suburban FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 19, 1991 | Structure Change | Acquired Beacon Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NY, rank 36 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 8 loans, $1.3M approved, $162K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ridgewood Savings Bank
What are Ridgewood Savings Bank's total assets?
As of the Q2 2026 filing, Ridgewood Savings Bank reported total assets of $7.55 billion in its FFIEC call report.
Where is Ridgewood Savings Bank headquartered?
It is headquartered in Ridgewood, NY, United States.
When was Ridgewood Savings Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Ridgewood Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #16026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ridgewood Savings Bank?
Ridgewood Savings Bank's primary federal regulator is the FDIC.
How many branches does Ridgewood Savings Bank operate?
It operates 38 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ridgewood Savings Bank's Texas Ratio?
Its Texas Ratio is 9.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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