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Bank call report · Ridgewood, NY

Ridgewood Savings Bank Call Report

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Ridgewood Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 339 reported line items, schedule by schedule (649 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Ridgewood Savings Bank call report filing details
Call report formFFIEC 041
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID859712
FDIC certificate number16026
Total assets$7.55B

Official Q2 2026 call report PDF (FFIEC) →

Ridgewood Savings Bank call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.

Schedule RC: Balance Sheet (29 items)

About Schedule RC · Ridgewood Savings Bank balance sheet trends

Ridgewood Savings Bank Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $7.55B
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $7.55B
Total Liabilities and Minority Interest RCON2948 $6.59B
Total Deposits RCON2200 $6.01B
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $5.44B
Loans and Leases, Net of Unearned Income - Totals RCONB528 $4.88B
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $4.84B
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $1.17B
Undivided Profits and Capital Reserves RCON3632 $1.01B
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $962.6M
Total Equity Capital RCON3210 $962.5M
Deposits: Noninterest-bearing RCON6631 $575.7M
Other Borrowed Money RCON3190 $478.7M
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $369.9M
Held-to-maturity Securities, Total RCON1754 $369.9M
Other Assets RCON2160 $335.7M
Interest-bearing Balances RCON0071 $319.7M
Equity securities with readily determinable fair values not held for trading RCONJA22 $211.7M
Securities Purchased Under Agreements to Resell RCONB989 $150.5M
Other Liabilities, Total RCON2930 $94.2M
Accumulated Other Comprehensive Income RCONB530 -$92.2M
Goodwill RCON3163 $80.2M
Intangible Assets RCON2143 $80.2M
Surplus RCON3839 $46.4M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $42.3M
Allowance for Loan and Lease Losses RCON3123 $35.5M
Noninterest-bearing Balances and Currency and Coin RCON0081 $25.0M
Minority Interest in Consolidated Subsidiaries and Similar Items RCON3000 $135K
Other Real Estate Owned RCON2150 $38K
Schedule RI: Income Statement (46 items)

About Schedule RI · Ridgewood Savings Bank income statement trends

Ridgewood Savings Bank Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $152.3M
Interest and Fee Income on Loans, Total RIAD4010 $118.0M
Total Interest Expense RIAD4073 $77.3M
Net Interest Income RIAD4074 $75.0M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $64.5M
Total Noninterest Expense RIAD4093 $57.5M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $52.3M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $33.5M
Salaries and Employee Benefits RIAD4135 $31.9M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $30.7M
Income (Loss) Before Discontinued Operations RIAD4300 $26.3M
Net Income (Loss) RIAD4340 $26.3M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $26.3M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $25.7M
Savings Deposits (Including Mmdas) RIAD0093 $22.9M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $17.5M
Other Noninterest Expense RIAD4092 $16.1M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $14.0M
Total Noninterest Income RIAD4079 $10.5M
Expenses of Premises and Fixed Assets RIAD4217 $9.5M
Interest on Trading Liabilities and Other Borrowed Money RIAD4185 $9.5M
Unrealized holding gains (losses) on equity securities not held for trading RIADHT70 $7.7M
Other Noninterest Income RIADB497 $7.7M
Applicable Income Taxes RIAD4302 $7.2M
Interest Income on Balances Due from Depository Institutions RIAD4115 $6.9M
Interest on Other Securities RIAD4060 $5.9M
Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell RIAD4020 $2.9M
Provision for Loan and Lease Losses RIAD4230 $2.3M
Provisions for Credit Losses on Financial Assets RIADJJ33 $2.2M
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $1.5M
Fees and Commissions from Annuity Sales RIADC887 $1.3M
Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) RIAD8431 $1.3M
Other Interest Income RIAD4518 $1.1M
Service Charges on Deposits in Domestic Office Overdraft Related for Individuals RIADH032 $1.0M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $686K
Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards RIADB485 $314K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $277K
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $219K
Service Charges on Deposits in Domestic Office Maintenance for Individuals RIADH033 $160K
Service Charges on Deposits in Domestic Office Atm-related for Individuals RIADH034 $149K
Service Charges on Deposits in Domestic Office All Other RIADH035 $105K
Net Gains (Losses) on Sales of Loans RIAD5416 $55K
Realized Gains (Losses) on Available-for-sale Debt Securities RIAD3196 $30K
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $3K
Net Servicing Fees RIADB492 $3K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 523
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)

About Schedule RC-A

Ridgewood Savings Bank Schedule RC-A, Q2 2026
Line item Code Q2 2026
Cash and Balances Due from Depository Institutions RCON0010 $344.8M
Balances Due from Federal Reserve Banks RCON0090 $317.3M
Balances Due from Depository Institutions in the U.S. RCON0082 $17.9M
Currency and Coin RCON0080 $9.5M
Schedule RC-B: Securities (35 items)

About Schedule RC-B · Ridgewood Savings Bank securities trends

Ridgewood Savings Bank Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost RCONG302 $87.0M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value RCONG303 $76.0M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost RCONG300 $26.3M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value RCONG301 $21.5M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost RCONG306 $805.3M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value RCONG307 $719.0M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost RCONG304 $313.9M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value RCONG305 $271.2M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $193.4M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $188.9M
Total Amortized Cost of Available-for-sale Securities RCON1772 $1.29B
Pledged Securities RCON0416 $771.2M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $597.2M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $531.3M
Total Fair Value of Held-to-maturity Securities RCON1771 $318.8M
Amortized Cost of Other Available-for-sale Domestic Debt Securities RCON1739 $203.4M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $188.9M
Fair Value of Other Available-for-sale Domestic Debt Securities RCON1741 $185.0M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less RCONA549 $134.2M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $48.7M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $39.0M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost RCONK142 $29.5M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value RCONK143 $25.9M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA550 $21.8M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $17.6M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $3.7M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA557 $3.1M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK144 $2.4M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK145 $2.3M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years RCONA554 $2.3M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA551 $2.2M
Amortized Cost of Other Held-to-maturity Domestic Debt Securities RCON1737 $284K
Fair Value of Other Held-to-maturity Domestic Debt Securities RCON1738 $284K
Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8498 $211K
Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8499 $204K
Schedule RC-C, Part I: Loans and Leases (32 items)

About Schedule RC-C, Part I · Ridgewood Savings Bank loans and leases trends

Ridgewood Savings Bank Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $4.88B
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $2.32B
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $2.04B
Pledged Loans and Leases RCONG378 $1.98B
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $1.21B
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $893.5M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $889.1M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $851.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $772.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $485.4M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $396.9M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $263.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $211.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $187.7M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $155.9M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $131.0M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $91.4M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $84.8M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $78.4M
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties RCONK160 $44.0M
Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONHK25 $44.0M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $42.0M
Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) RCONF577 $24.8M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $16.6M
Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) RCONJ451 $11.9M
Other Loans RCONJ464 $11.9M
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards RCONB538 $4.5M
Commercial and Industrial Loans RCON1766 $2.8M
Commercial and Industrial Loans to U.S. Addressees RCON1763 $2.8M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $2.5M
Unearned Income on Loans RCON2123 $378K
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans RCONB539 $182K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (8 items)

About Schedule RC-C, Part II

Ridgewood Savings Bank Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $12.3M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $1.1M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $1.1M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $642K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 195
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 17
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 10
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 5
Schedule RC-E: Deposit Liabilities (31 items)

About Schedule RC-E · Ridgewood Savings Bank deposit liabilities trends

Ridgewood Savings Bank Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $5.24B
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $5.18B
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $2.51B
Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use RCONP758 $2.40B
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $1.52B
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $993.7M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $920.0M
Total Time Deposits of Less Than $100,000 RCON6648 $846.2M
Total Transaction Accounts RCON2215 $771.9M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $771.8M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $720.9M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $652.6M
Total Demand Deposits (See Note Below) RCON2210 $545.4M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $525.8M
Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use RCONP753 $456.6M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $424.8M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $404.5M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $248.1M
Money Market Deposit Accounts (Mmda's) RCON6810 $247.2M
Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use RCONP756 $212.1M
Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use RCONP754 $203.3M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $186.5M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $173.4M
Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations RCONP759 $71.0M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $60.2M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $60.2M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $54.0M
Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations RCONP757 $35.0M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK15 $14.3M
Total Transaction Accounts - Deposits of U.S. Government RCON2202 $81K
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $10K
Schedule RC-F: Other Assets (8 items)

About Schedule RC-F

Ridgewood Savings Bank Schedule RC-F, Q2 2026
Line item Code Q2 2026
Life Insurance Assets: General Account Life Insurance Assets RCONK201 $190.6M
Other Assets RCON2168 $67.2M
First Itemized Amount That Exceeds 25% of All Other Assets (2168) RCON3549 $37.1M
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $29.4M
Accrued Interest Receivable RCONB556 $24.6M
Net Deferred Tax Assets RCON2148 $18.7M
Life Insurance Assets: Separate Account Life Insurance Assets RCONK202 $4.6M
Life Insurance Assets: Hybrid Account Life Insurance Assets RCONK270 $568K
Schedule RC-G: Other Liabilities (7 items)

About Schedule RC-G

Ridgewood Savings Bank Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCON2938 $85.9M
Operating lease liabilities RCONLB56 $28.1M
Deferred Compensation Liabilities RCONC011 $24.5M
First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) RCON3552 $24.4M
Other Expenses Accrued and Unpaid RCON3646 $7.7M
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $633K
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $16K
Schedule RC-K: Quarterly Averages (16 items)

About Schedule RC-K · Ridgewood Savings Bank quarterly averages trends

Ridgewood Savings Bank Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $7.63B
Quarterly Average of Total Loans RCON3360 $4.86B
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $2.76B
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $2.44B
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $2.38B
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $1.78B
Mortgage-backed Securities RCONB559 $1.44B
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $717.7M
Quarterly Average of Other Borrowed Money RCON3355 $489.1M
All Other Securities RCONB560 $411.9M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $376.5M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $236.0M
Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell RCON3365 $142.3M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $16.2M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards RCONB561 $4.4M
Quarterly Average of Commercial and Industrial Loans RCON3387 $2.6M
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)

About Schedule RC-L · Ridgewood Savings Bank derivatives and off-balance-sheet items trends

Ridgewood Savings Bank Schedule RC-L, Q2 2026
Line item Code Q2 2026
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $65.5M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $61.2M
Unused Commitments - Credit Card Lines RCON3815 $24.4M
Credit Card Lines: Unused Consumer Credit Card Lines RCONJ455 $20.7M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $14.3M
Credit Card Lines: Other Unused Credit Card Lines RCONJ456 $3.6M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $1.2M
Schedule RC-M: Memoranda (9 items)

About Schedule RC-M · Ridgewood Savings Bank memoranda trends

Ridgewood Savings Bank Schedule RC-M, Q2 2026
Line item Code Q2 2026
FHLB Advances: Structured Advances RCONF059 $310.5M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONF056 $225.1M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years RCONF057 $179.2M
Cost of equity securities with readily determinable fair values not held for trading RCONJA29 $174.4M
FHLB Advances (Loans) Due in One Year or Less RCON2651 $41.9M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less RCONF055 $41.9M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years RCONF058 $32.5M
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $335K
All Other Real Estate Owned: Construction and Land Development in Domestic Offices RCON5508 $38K
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (21 items)

About Schedule RC-N · Ridgewood Savings Bank past due and nonaccrual loans, leases, and other assets trends

Ridgewood Savings Bank Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $89.0M
Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual RCON3501 $50.3M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $36.6M
Additions to Nonaccrual Assets RCONC410 $26.5M
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $2.9M
Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Multifamily Residential Properties in Domestic Offices: Nonaccrual RCONK113 $2.5M
Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual RCONHK28 $2.5M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $2.1M
Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual RCONF183 $1.3M
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCON1407 $1.1M
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual RCON5400 $893K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing RCONC237 $744K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing RCON5398 $363K
Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing RCON1607 $285K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing RCONK216 $178K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing RCONB575 $170K
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $81K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing RCONB576 $68K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing RCONK217 $20K
All Other Loans - Nonaccrual RCON5461 $2K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual RCONK218 $1K
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)

About Schedule RC-O · Ridgewood Savings Bank other data for deposit insurance assessments trends

Ridgewood Savings Bank Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $7.63B
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $6.09B
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $4.27B
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $1.39B
Average Tangible Equity for the Calendar Quarter RCONK654 $987.8M
Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid RCON5597 $617.5M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $367.1M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $57.6M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 198,025
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 18,332
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 3,169
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 160
Averaging Method Used RCONK653 1
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (1 item)

About Schedule RC-P

Ridgewood Savings Bank Schedule RC-P, Q2 2026
Line item Code Q2 2026
Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans RIADHT85 $2K
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (6 items)

About Schedule RC-Q

Ridgewood Savings Bank Schedule RC-Q, Q2 2026
Line item Code Q2 2026
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes RCONJA36 $1.38B
Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc RCONG502 $1.38B
Available-for-sale Securities - Level 2 Fair Value Measurements RCONG476 $1.17B
Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements RCONG505 $1.17B
Available-for-sale Securities - Level 1 Fair Value Measurements RCONG475 $211.7M
Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements RCONG504 $211.7M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)

About Schedule RC-R, Part I · Ridgewood Savings Bank regulatory capital components and ratios trends

Ridgewood Savings Bank Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average total consolidated assets RCOAKW03 $7.63B
Total Assets RCOA2170 $7.55B
Average Total Assets (Net of Deductions) RCOAA224 $7.47B
Retained Earnings RCOAKW00 $1.01B
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $991.5M
Common Equity Tier 1 Capital RCOAP859 $991.3M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $991.3M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $962.5M
Unconditionally Cancellable Commitments RCOAS540 $95.2M
Accumulated Other Comprehensive Income RCOAB530 -$92.2M
Less:other Deductions from Assets for Leverage Capital Purposes RCOAB596 $92.2M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$83.7M
Investments in the [Tier 2] capital of unconsolidated financial institution RCOALB61 $76.7M
Off-balance sheet exposures: Unused portion of conditionally cancellable commitments RCOAKX79 $70.2M
Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B RCOAKX82 $70.2M
Goodwill Net of Associated Deferred Tax Liabilities (Dtls) RCOAP841 $63.4M
Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) RCOAP875 $63.4M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $46.4M
Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP847 -$8.5M
Additional Tier 1 Capital RCOAP865 $135K
Additional Tier 1 Capital Before Deductions RCOAP863 $135K
Tier 1 Minority Interest Not Included in Common Equity Tier 1 Capital RCOAP862 $135K
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Do you qualify for and opt-in to CBLR? RCOALE74 1
Tier 1 Leverage Capital Ratio RCOA7204 0.1327
Total off-balance sheet exposures (sum of items 15a through 15.c) RCOAKX83 0.0093
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (4 items)

About Schedule RC-S

Ridgewood Savings Bank Schedule RC-S, Q2 2026
Line item Code Q2 2026
Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements RCONB805 $1.9M
Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans RCONB790 $333K
Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements RCONB804 $333K
Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans RCONB797 $17K
Schedule RI-A: Changes in Bank Equity Capital (4 items)

About Schedule RI-A

Ridgewood Savings Bank Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $962.5M
Balance End of Previous Calendar Year as Restated RIADB508 $940.9M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $940.9M
Other Comprehensive Income RIADB511 -$4.7M
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)

About Schedule RI-B, Part I · Ridgewood Savings Bank charge-offs and recoveries on loans and leases trends

Ridgewood Savings Bank Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $4.5M
Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties RIAD3588 $4.0M
Charge-offs on Loans to Credit Cards RIADB514 $214K
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $202K
Charge-offs on Commercial and Industrial Loans RIAD4638 $77K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $63K
Charge-offs on All Other Loans RIAD4644 $36K
Recoveries on Loans to Credit Cards RIADB515 $28K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $27K
Recoveries on All Other Loans RIAD4628 $8K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)

About Schedule RI-B, Part II · Ridgewood Savings Bank changes in allowances for credit losses trends

Ridgewood Savings Bank Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $37.7M
Allowance for Loan and Lease Losses RIAD3123 $35.5M
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $4.5M
Provisions for credit losses on off-balance-sheet exposures RIADMG93 -$49K
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)

About Schedule RI-C

Ridgewood Savings Bank Schedule RI-C, Q2 2026
Line item Code Q2 2026
Loans and Leases, Held for Investment, Total, Amortized Cost RCONJJ11 $4.88B
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost RCONJJ05 $2.43B
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost RCONJJ06 $2.41B
Loans and Leases, Held for Investment, Total, Allowance Balance RCONJJ19 $35.5M
Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost RCONJJ09 $28.7M
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance RCONJJ14 $17.5M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance RCONJJ13 $17.5M
Loans and Leases, Held for Investment, Credit cards, Amortized Cost RCONJJ08 $4.5M
Loans and Leases, Held for Investment, Commerical loans, Amortized Cost RCONJJ07 $2.8M
Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance RCONJJ17 $260K
Loans and Leases, Held for Investment, Commerical loans, Allowance Balance RCONJJ15 $149K
Loans and Leases, Held for Investment, Credit cards, Allowance Balance RCONJJ16 $77K
Schedule RI-E: Explanations (6 items)

About Schedule RI-E

Ridgewood Savings Bank Schedule RI-E, Q2 2026
Line item Code Q2 2026
Earnings On/increase in Value of Cash Surrender Value of Life Insurance RIADC014 $2.9M
Data Processing Expenses RIADC017 $2.5M
Bank Card and Credit Card Interchange Fees RIADF555 $1.8M
First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) RIAD4461 $1.5M
Marketing and Other Professional Services RIAD0497 $1.5M
Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) RIAD4462 $601K

Ridgewood Savings Bank call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the Ridgewood Savings Bank call report?

The Ridgewood Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does Ridgewood Savings Bank file?

Ridgewood Savings Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the Ridgewood Savings Bank call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: Ridgewood Savings Bank has Federal Reserve RSSD ID 859712 and FDIC certificate number 16026. Either one finds its filings on the FFIEC Central Data Repository.

How often does Ridgewood Savings Bank file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

Ridgewood Savings Bank financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.