BlastPoint's Banking Scorecard
Rondout Savings Bank
Designations: ✓ Mutual
Kingston, NY
5 branches across NY
Rondout Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.4% in tier
- - Return on Assets 1.12% below tier average
- - Net Interest Margin 1.34% below tier average
- - Efficiency Ratio 24.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$510.4M
-3.2% YoY
-0.3% QoQ
|
+$124.3M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$408.8M
-2.1% YoY
+0.1% QoQ
|
+$153.1M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$443.4M
-2.2% YoY
-1.2% QoQ
|
+$115.4M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
0.15%
+312.9% YoY
+16.0% QoQ
|
-1.12% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.6% in tier |
| Net Interest Margin ? |
2.59%
+23.8% YoY
+11.9% QoQ
|
-1.34% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio ? |
89.53%
-16.5% YoY
-4.9% QoQ
|
+24.24% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate ? |
0.46%
-47.8% YoY
-0.5% QoQ
|
-0.42% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
92.21%
+0.1% YoY
+1.4% QoQ
|
+15.57% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
13.94%
+5.3% YoY
-1.3% QoQ
|
-8.08% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.37%
-47.3% YoY
-0.1% QoQ
|
-0.27% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
14.71%
+2.9% YoY
+0.2% QoQ
|
-1.12% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.08%
-15.7% YoY
-81.7% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
37% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.