BlastPoint's Banking Scorecard

Rondout Savings Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 15969

Designations: ✓ Mutual

Kingston, NY

5 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits -2.1% year over year ($449.3M on the books).
Delinquency rate 0.19%.
Return on assets 0.27%.
Efficiency ratio 86.75% vs a 64.48% peer average.
Loan-to-deposit ratio 90.70% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Rondout Savings Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.1% in tier
- Liquidity Strain: Bottom 6.1% in tier
- Return on Assets 1.05% below tier average
- Net Interest Margin 1.36% below tier average
- Efficiency Ratio 22.27% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$512.0M -1.6% YoY +0.3% QoQ	+$125.5M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$407.6M +0.5% YoY -0.3% QoQ	+$149.2M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$449.3M -2.1% YoY +1.3% QoQ	+$122.6M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	0.27% +695.9% YoY +79.9% QoQ	-1.05%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 6.8% in tier
Net Interest Margin ?	2.63% +22.6% YoY +1.5% QoQ	-1.36%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 3.9% in tier
Efficiency Ratio ?	86.75% -16.4% YoY -3.1% QoQ	+22.27%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 7.9% in tier
Delinquency Rate ?	0.19% -79.1% YoY -58.0% QoQ	-0.72%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	90.70% +2.7% YoY -1.6% QoQ	+12.75%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	14.17% +1.1% YoY +1.6% QoQ	-7.86%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.15% -78.6% YoY -58.3% QoQ	-0.51%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	14.86% +1.3% YoY +1.0% QoQ	-1.05%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.16% -6.5% YoY +115.2% QoQ	-0.40%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	14.2% +0.2pp YoY +0.2pp QoQ	-8.0pp	22.1%	22.1%	22.2%	21%
Brokered Deposits	6.1% -1.5pp YoY -0.1pp QoQ	-1.7pp	7.9%	8.0%	8.5%	59%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	6.6% 0.0pp YoY -0.2pp QoQ	-5.0pp	11.6%	11.0%	12.5%	30%
CRE	23.3% +1.5pp YoY +0.6pp QoQ	-16.2pp	39.5%	46.2%	41.4%	24%
1-4 Family	68.5% -3.8pp YoY -0.3pp QoQ	+35.9pp	32.6%	36.6%	31.3%	94%
Consumer	2.5% +2.3pp YoY -0.1pp QoQ	-1.6pp	4.1%	5.1%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	14.9% +0.2pp YoY +0.1pp QoQ	-4.0pp	18.8%	26.1%	19.7%	48%
Leverage Ratio	9.8% +0.5pp YoY +0.1pp QoQ	-2.4pp	12.2%	13.9%	12.6%	27%
Total Capital Ratio	16.1% +0.2pp YoY +0.1pp QoQ	-3.8pp	19.9%	27.2%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	66 +1 (+1.5%) YoY +3 (+4.8%) QoQ	+7	58	914	482	68%
Assets per Employee ($)	$7.8M -3.1% YoY -4.2% QoQ	+$240K	$7.5M	$14.8M	$8.8M	64%
Branch Count	5 0 YoY 0 QoQ	0	4	27	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% -0.7pp YoY -0.3pp QoQ	-0.7pp	0.9%	1.3%	1.0%	29%
Allowance Coverage	5.07x +361.4% YoY +136.7% QoQ	-19.08x	24.15x	1.92x	20.23x	71%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	3.2% +3.8pp YoY +1.4pp QoQ	-9.0pp	12.2%	7.9%	11.6%	9%
Cost of Funds (YTD)	1.9% -0.5pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	67%
Net Income ($, YTD)	$691,000 +680.7% YoY — QoQ	-$1.9M	$2.6M	$111.2M	$40.4M	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#1 of 529 • Bottom 0.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.27%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Liquidity Strain

risk

#43 of 691 • Bottom 6.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.70%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

530

Total Loans

size

Value: $407.57M

Peer Median: $258.35M

#530 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (5 metrics)

2542

Net Interest Margin

profitability

Value: 2.63%

Peer Median: 3.99%

#2542 of 2643 Bottom 3.9% in $100M-$1B

2463

Return on Assets

profitability

Value: 0.27%

Peer Median: 1.32%

#2463 of 2643 Bottom 6.8% in $100M-$1B

2434

Efficiency Ratio

profitability

Value: 86.75%

Peer Median: 64.48%

#2434 of 2643 Bottom 7.9% in $100M-$1B

2084

Non-Interest-Bearing Deposit Share

funding

Value: 14.17%

Peer Median: 22.03%

#2084 of 2643 Bottom 21.2% in $100M-$1B

1994

Loan-to-Deposit Ratio

liquidity

Value: 90.70%

Peer Median: 77.95%

#1994 of 2643 Bottom 24.6% in $100M-$1B