Rondout Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.94 percentage points higher than in Q1 2026, at 128.72%. Rondout Savings Bank ranks 37th of 105 New York banks on loan-to-deposit ratio, in the upper half at 91.60% (Q2 2026). Rondout Savings Bank reported 91.60% on loan-to-deposit ratio for Q2 2026, 10.76 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $411.6M |
| Net loans and leases | $407.6M |
| Loans held for sale | $0 |
| Loans to total assets | 80.38% |
| Loan-to-deposit ratio | 91.60% |
| Net loans to equity capital | 9.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.21% |
| Multifamily (5+ residential) | 5.30% |
| Commercial and industrial | 6.53% |
| Consumer | 2.50% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.72% |
| Construction concentration (Tier 1 capital + allowance) | 4.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.92% |
| Interest income on loans | $5.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $440.8M | $476.5M | 15.88% | 7.50% | 0.22% |
| Q4 2023 | $446.7M | $467.3M | 15.63% | 7.19% | 0.17% |
| Q1 2024 | $449.1M | $461.9M | 15.40% | 7.42% | 0.20% |
| Q2 2024 | $444.9M | $438.5M | 15.42% | 7.33% | 0.17% |
| Q3 2024 | $440.8M | $440.0M | 15.26% | 7.40% | 0.22% |
| Q4 2024 | $429.8M | $434.5M | 15.60% | 7.20% | 0.20% |
| Q1 2025 | $421.9M | $453.3M | 16.19% | 7.50% | 0.23% |
| Q2 2025 | $409.5M | $458.8M | 15.93% | 6.57% | 0.22% |
| Q3 2025 | $410.9M | $452.7M | 16.96% | 5.79% | 1.66% |
| Q4 2025 | $412.4M | $449.0M | 16.89% | 6.07% | 2.63% |
| Q1 2026 | $412.9M | $443.4M | 16.77% | 6.74% | 2.57% |
| Q2 2026 | $411.6M | $449.3M | 17.21% | 6.53% | 2.50% |
Rondout Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rondout Savings Bank, freeSource: Call Report Schedule RC-C, 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 Rondout Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15969) · FFIEC NIC profile (RSSD 425108)