Rondout 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: 292.80 percentage points higher than in Q1 2026, at 506.94%. Rondout Savings Bank ranks 88th of 105 New York banks on return on assets, in the lower half at 0.39% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Rondout Savings Bank reported 0.39% on return on assets in Q2 2026, 0.87 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.86% |
| Tier 1 risk-based capital ratio | 14.86% |
| Total risk-based capital ratio | 16.10% |
| Tier 1 leverage ratio | 9.79% |
| Equity capital to assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.66% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 506.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 4.59% |
| Net interest margin | 2.60% |
| Efficiency ratio | 83.94% |
| Yield on earning assets | 4.51% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.60% |
| Core deposits to total deposits | 80.42% |
| Brokered deposits to total deposits | 6.12% |
| Deposits to assets | 87.76% |
| Securities to assets | 9.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.94% | 12.94% | 14.19% | 8.60% | 0.05% |
| Q4 2023 | 12.94% | 12.94% | 14.19% | 8.61% | 0.03% |
| Q1 2024 | 12.86% | 12.86% | 14.11% | 8.70% | 0.33% |
| Q2 2024 | 13.31% | 13.31% | 14.56% | 8.81% | 0.02% |
| Q3 2024 | 13.52% | 13.52% | 14.77% | 8.95% | 0.02% |
| Q4 2024 | 14.08% | 14.08% | 15.33% | 9.06% | -0.13% |
| Q1 2025 | 14.30% | 14.30% | 15.55% | 9.19% | -0.07% |
| Q2 2025 | 14.67% | 14.67% | 15.92% | 9.29% | -0.02% |
| Q3 2025 | 14.63% | 14.63% | 15.88% | 9.38% | 0.19% |
| Q4 2025 | 14.68% | 14.68% | 15.91% | 9.58% | 0.41% |
| Q1 2026 | 14.71% | 14.71% | 15.96% | 9.71% | 0.15% |
| Q2 2026 | 14.86% | 14.86% | 16.10% | 9.79% | 0.39% |
Rondout Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rondout 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 Rondout Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15969) · FFIEC NIC profile (RSSD 425108)