Ridgewood Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.44 percentage points lower than in Q1 2026, at 26.67%. Ridgewood Savings Bank ranks 63rd of 105 New York banks on return on assets, in the lower half at 0.87% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Ridgewood Savings Bank sits 0.41 points lower, at 0.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.27% |
| Equity capital to assets | 12.75% |
| Tangible equity to tangible assets | 11.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.73% |
| Non-performing assets ratio | 1.76% |
| Net charge-off ratio | 0.34% |
| Texas ratio | 14.62% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | 26.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 6.95% |
| Net interest margin | 2.08% |
| Efficiency ratio | 69.52% |
| Yield on earning assets | 4.22% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.12% |
| Core deposits to total deposits | 88.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.66% |
| Securities to assets | 23.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.18% | 0.21% | 1.81% | 1.33% | 0.03% |
| Q4 2023 | 13.20% | 0.47% | 1.83% | 1.26% | 0.02% |
| Q1 2024 | 13.23% | 0.45% | 1.70% | 1.28% | 0.02% |
| Q2 2024 | 13.26% | 0.38% | 1.67% | 1.21% | 0.04% |
| Q3 2024 | 13.20% | 0.45% | 1.64% | 1.64% | 0.01% |
| Q4 2024 | 13.08% | 0.13% | 1.68% | 1.68% | 0.02% |
| Q1 2025 | 13.02% | 0.29% | 1.74% | 1.76% | 0.04% |
| Q2 2025 | 13.11% | 0.57% | 1.82% | 1.94% | 0.02% |
| Q3 2025 | 13.18% | 0.63% | 1.87% | 2.27% | 0.13% |
| Q4 2025 | 13.11% | 0.49% | 2.11% | 2.30% | 0.29% |
| Q1 2026 | 13.14% | 0.51% | 2.07% | 2.54% | 0.03% |
| Q2 2026 | 13.27% | 0.87% | 2.08% | 2.73% | 0.34% |
Ridgewood Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ridgewood Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ridgewood Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16026) · FFIEC NIC profile (RSSD 859712)