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Rondout Savings Bank
Kingston, NY · FDIC Certificate #15969 · Chartered 03/2
Total assets
$512.03M
Total deposits
$449.35M
Total equity
$43.73M
Net loans
$407.57M
Branches (offices)
5
Net income (YTD)
$691.00K
Rank: #1,756 of 4,213 U.S. banks by assets · #75 of 115 in New York. Assets changed -1.6% and deposits -2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.27% |
| Return on equity | 3.19% |
| Net interest margin (YTD) | 2.63% |
| Equity to assets | 8.54% |
| Tier 1 leverage ratio | 9.79% |
| Uninsured deposits (share of deposits) | 19.4% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.7% |
| Real estate loans (share of loans) | 91.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $374.45M | 91.9% | |
| Commercial & industrial | $26.87M | 6.6% | |
| Consumer / individual | $10.27M | 2.5% | |
| Construction & development | $2.34M | 0.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $482.64M | $430.61M | $852.00K | $38.98M |
| Jun 2023 | $551.05M | $477.13M | $377.00K | $37.95M |
| Jun 2024 | $545.07M | $438.45M | $490.00K | $39.71M |
| Jun 2025 | $520.38M | $458.82M | -$119.00K | $40.87M |
| Jun 2026 | $512.03M | $449.35M | $691.00K | $43.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $449.35M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $449.35M.
Similar-sized banks
State Bank Financial ($512.06M) · The Callaway Bank ($511.52M)
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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