Rondout Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Rondout Savings Bank is an FDIC-insured savings bank headquartered in Kingston, NY, established in 1868 (FDIC certificate 15969), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $512.0M, down 1.6% from Q2 2025, the 69th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 14.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15969
- Headquarters
- Kingston, NY
- Established
- 1868
- Total assets, Q2 2026
- $512.0M
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 14.86%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 221971086
- Latest call report
- Q2 2026, FFIEC 051 · Rondout Savings Bank call report
- Asset rank in state
- 69th of 105 in New York
Rondout Savings Bank spends more to run itself than most banks of its size. It reported $512 million in assets at June 30, 2026, down 1.6% from a year earlier. It earns about $0.39 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its $43 million non-owner-occupied commercial real estate book is now fully current, after 7.36% of it was past due or on nonaccrual a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 0.92%. Its margin is thin by comparison: it keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Rondout Savings Bank reported a CET1 capital ratio of 14.86%, a return on assets of 0.39%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.66%. The figures come from its call report filed with the FFIEC.
Rondout Savings Bank ranks as the 69th largest of the 105 banks based in New York, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $512.0M, loans fell 0.3% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 67.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 10.5%. The FDIC Summary of Deposits lists 5 offices for it, in Kingston, NY, West Hurley, NY and Hyde Park, NY; its Kingston 3 offices book 81% of its branch deposits. By the capital ratios in its Q2 2026 call report, Rondout Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Broadway, Kingston, NY 12401
- County
- Ulster
- Metro Area
- Kingston, NY
- 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 051
- Established
- March 24, 1868
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $449.3M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $516.6M
- Average total loans
- $412.0M
- Average interest-bearing deposits
- $387.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 15969
- Fed RSSD
- 425108
- Website
- www.rondoutbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Rondout Savings Bank's total assets moved between a low of $510.4M (Q1 2026) and a high of $564.0M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$512.0M total assets against $520.4M; $468.3M total liabilities against $479.5M.
$407.6M net loans and leases against $405.4M; $449.3M total deposits against $458.8M.
$47.3M securities against $47.9M; $34.4M cash and balances due against $42.2M.
$5.6M total interest income against $5.6M; $2.4M total interest expense against $2.9M.
$3.2M net interest income against $2.7M.
$453K total noninterest income against $438K; $3.1M total noninterest expense against $3.1M.
-$46K provision for credit losses against $21K.
$499K net income against -$26K.
0.39% return on assets against -0.02%; 2.60% net interest margin against 2.13%.
14.86% CET1 capital ratio against 14.67%; 9.79% tier 1 leverage ratio against 9.29%.
Inside the full Rondout Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRondout Savings Bank rankings
Its closest position to the top of a national ranking is 1,749 of 4,196, for total assets; its furthest is 3,350 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.13% (Q4 2024) to 0.41% (Q4 2025) and its net interest margin ran from 1.78% (Q4 2024) to 2.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.86% | 0.39% | 0.19% | 1.66% | 2.60% |
| Q1 2026 | 14.71% | 0.15% | 0.46% | 4.02% | 2.53% |
| Q4 2025 | 14.68% | 0.41% | 0.46% | 4.03% | 2.49% |
| Q3 2025 | 14.63% | 0.19% | 0.42% | 3.78% | 2.35% |
| Q2 2025 | 14.67% | -0.02% | 0.92% | 8.38% | 2.13% |
| Q1 2025 | 14.30% | -0.07% | 0.88% | 8.26% | 2.03% |
| Q4 2024 | 14.08% | -0.13% | 0.97% | 9.42% | 1.78% |
| Q3 2024 | 13.52% | 0.02% | 0.30% | 2.91% | 2.01% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Rondout Savings Bank (main office) | Kingston , NY | 12401 | $199.7M |
| Kingston Branch | Kingston , NY | 12401 | $85.7M |
| Uptown Kingston Branch | Kingston , NY | 12401 | $80.6M |
| West Hurley Branch | West Hurley , NY | 12491 | $60.1M |
| Hyde Park Branch | Hyde Park , NY | 12538 | $23.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 106 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $175K approved, $175K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 Rondout Savings Bank
What are Rondout Savings Bank's total assets?
As of the Q2 2026 filing, Rondout Savings Bank reported total assets of $512.0 million in its FFIEC call report.
Where is Rondout Savings Bank headquartered?
It is headquartered in Kingston, NY, United States.
When was Rondout Savings Bank founded?
It was established in 1868, per the FDIC institution directory.
Is Rondout Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #15969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rondout Savings Bank?
Rondout Savings Bank's primary federal regulator is the FDIC.
What is Rondout Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Rondout Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rondout Savings Bank's Texas Ratio?
Its Texas Ratio is 1.66% 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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