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Ridgewood Savings Bank
Ridgewood, NY · FDIC Certificate #16026 · Chartered 06/1
Total assets
$7.55B
Total deposits
$6.01B
Total equity
$962.64M
Net loans
$4.84B
Branches (offices)
38
Net income (YTD)
$26.30M
Rank: #208 of 4,213 U.S. banks by assets · #21 of 115 in New York. Assets changed 3.3% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.70% |
| Return on equity | 5.53% |
| Net interest margin (YTD) | 2.13% |
| Equity to assets | 12.75% |
| Tier 1 leverage ratio | 13.27% |
| Uninsured deposits (share of deposits) | 10.3% |
| Noncurrent loans (share of loans) | 1.85% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 80.5% |
| Real estate loans (share of loans) | 100.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.84B | 100.0% | |
| Commercial & industrial | $2.81M | 0.1% | |
| Consumer / individual | $21.32M | 0.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.80B | $5.52B | $7.77M | $771.22M |
| Jun 2023 | $6.90B | $5.47B | $22.43M | $793.05M |
| Jun 2024 | $7.02B | $5.56B | $14.65M | $829.41M |
| Jun 2025 | $7.31B | $5.78B | $15.91M | $900.25M |
| Jun 2026 | $7.55B | $6.01B | $26.30M | $962.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $6.01B | 38 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $6.01B.
Similar-sized banks
Bank Of Colorado ($7.61B) · Northpointe Bank ($7.53B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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