Ridgewood Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ridgewood Savings Bank of Ridgewood, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.87% | 1.44% | -0.57% | 22nd bottom |
| ROAE | 6.95% | 12.51% | -5.56% | 16th bottom |
| Net Interest Margin | 2.08% | 3.84% | -1.76% | 2nd bottom |
| Efficiency Ratio | 69.52% | 58.86% | +10.66% | 21st bottom |
| PPNR / Avg Assets | 0.68% | 1.78% | -1.10% | 7th bottom |
| Yield on Earning Assets | 4.22% | 5.72% | -1.50% | 4th bottom |
| Cost of Funds | 2.37% | 2.03% | +0.34% | 27th below |
| Net Interest Spread | 1.60% | 3.18% | -1.58% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.73% | 0.96% | +1.77% | 6th bottom |
| NPA / Total Assets | 1.76% | 0.75% | +1.01% | 9th bottom |
| NCO / Avg Loans | 0.34% | 0.31% | +0.03% | 13th bottom |
| ACL / Total Loans | 0.73% | 1.25% | -0.52% | 10th bottom |
| ACL / NPLs (Coverage) | 26.67% | 699.59% | -672.92% | 2nd bottom |
| Texas Ratio | 14.62% | 7.15% | +7.47% | 12th bottom |
| Provision / NCO | 50.93% | 815.54% | -764.61% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.27% | 11.59% | +1.68% | 87th top |
| Equity / Assets | 12.75% | 11.33% | +1.42% | 83rd top |
| TCE / Tangible Assets | 11.81% | 10.65% | +1.16% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.12% | 86.36% | -5.24% | 68th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.01% | 85.55% | +2.46% | 47th below |
| Uninsured Deposit Ratio | 10.27% | 32.73% | -22.46% | 96th top |
| Wholesale Funding Ratio | 6.34% | 5.45% | +0.89% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.31% | 10.46% | -7.15% | 36th below |
| Loan Growth (Y/Y) | 0.97% | 8.00% | -7.03% | 22nd bottom |
| Deposit Growth (Y/Y) | 4.05% | 7.98% | -3.93% | 45th below |
See Ridgewood Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ridgewood Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ridgewood Savings Bank profile, how to read a UBPR, or how this data updates.