Rondout Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rondout Savings Bank of Kingston, NY against its peer group of 2672 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 | 0.39% | 1.34% | -0.95% | 10th bottom |
| ROAE | 4.59% | 13.32% | -8.73% | 13th bottom |
| Net Interest Margin | 2.60% | 3.93% | -1.33% | 4th bottom |
| Efficiency Ratio | 83.94% | 61.13% | +22.81% | 10th bottom |
| PPNR / Avg Assets | 0.45% | 1.68% | -1.23% | 7th bottom |
| Yield on Earning Assets | 4.51% | 5.67% | -1.16% | 9th bottom |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 35th below |
| Net Interest Spread | 2.14% | 3.32% | -1.18% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.94% | -0.75% | 65th above |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 23rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 506.94% | 1539.23% | -1032.29% | 71st above |
| Texas Ratio | 1.66% | 7.33% | -5.67% | 66th above |
| Provision / NCO | 100.00% | 1396.47% | -1296.47% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.86% | 19.51% | -4.65% | 47th below |
| Tier 1 Ratio | 14.86% | 19.54% | -4.68% | 47th below |
| Total Capital Ratio | 16.10% | 20.62% | -4.52% | 48th below |
| Leverage Ratio | 9.79% | 12.14% | -2.35% | 27th below |
| Equity / Assets | 8.54% | 11.38% | -2.84% | 20th bottom |
| TCE / Tangible Assets | 8.54% | 11.09% | -2.55% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.60% | 80.63% | +10.97% | 25th below |
| Core Deposit Ratio | 80.42% | 86.86% | -6.44% | 17th bottom |
| Wholesale Funding Ratio | 2.93% | 5.03% | -2.10% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.60% | 6.86% | -8.46% | 12th bottom |
| Loan Growth (Y/Y) | 0.50% | 7.91% | -7.41% | 24th bottom |
| Deposit Growth (Y/Y) | -2.06% | 6.29% | -8.35% | 13th bottom |
See Rondout Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rondout 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 Rondout Savings Bank profile, how to read a UBPR, or how this data updates.