BlastPoint's Banking Scorecard

Ulster Savings Bank

$1B-$10B Specialty: Commercial NY FDIC cert 15970

Designations: ✓ Community bank ✓ Mutual

Kingston, NY

15 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 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits +1.1% year over year ($1.2B on the books).
Delinquency rate 1.56%.
Return on assets 0.55%.
Efficiency ratio 82.64% vs a 59.73% peer average.
Loan-to-deposit ratio 83.57% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

Ulster Savings Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.5% in tier
- Flatlined Growth: Bottom 11.7% in tier
- Efficiency Drag: Bottom 56.7% in tier
- Return on Assets 0.84% below tier average
- Net Interest Margin 0.61% below 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 ?	$1.4B +0.7% YoY +1.5% QoQ	-$1.4B	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$1.0B +2.8% YoY -0.1% QoQ	-$929.2M	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$1.2B +1.1% YoY +1.4% QoQ	-$1.1B	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	0.55% +62.0% YoY -6.7% QoQ	-0.84%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 8.7% in tier
Net Interest Margin ?	3.26% +12.1% YoY +0.4% QoQ	-0.61%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	82.64% -7.2% YoY +0.6% QoQ	+22.91%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 5.2% in tier
Delinquency Rate ?	1.56% +8.3% YoY +12.3% QoQ	+0.69%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 15.0% in tier
Loan-to-Deposit Ratio ?	83.57% +1.7% YoY -1.5% QoQ	-1.46%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	16.44% -4.5% YoY -2.5% QoQ	-4.83%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	1.16% +10.5% YoY +10.6% QoQ	+0.48%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	13.97% +2.1% YoY -1.9% QoQ	-0.87%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.59% +5.1% YoY +87.0% QoQ	+0.06%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Top 14.6% in tier

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	16.4% -0.8pp YoY -0.4pp QoQ	-4.9pp	21.4%	22.1%	22.2%	32%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	5.0% 0.0pp YoY -0.1pp QoQ	-9.0pp	14.0%	11.0%	12.5%	18%
CRE	35.5% +1.9pp YoY +3.0pp QoQ	-14.5pp	50.0%	46.2%	41.4%	16%
1-4 Family	58.1% -1.3pp YoY -2.6pp QoQ	+31.7pp	26.4%	36.6%	31.3%	94%
Consumer	2.2% -0.1pp YoY -0.3pp QoQ	-2.5pp	4.7%	5.1%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	14.0% +0.3pp YoY -0.3pp QoQ	-1.6pp	15.6%	26.1%	19.7%	57%
Leverage Ratio	9.8% +0.4pp YoY 0.0pp QoQ	-1.5pp	11.3%	13.9%	12.6%	31%
Total Capital Ratio	15.2% +0.3pp YoY -0.3pp QoQ	-1.5pp	16.7%	27.2%	20.8%	59%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	236 -11 (-4.5%) YoY -6 (-2.5%) QoQ	-78	313	914	482	50%
Assets per Employee ($)	$5.9M +5.4% YoY +4.1% QoQ	-$4.6M	$10.5M	$14.8M	$8.8M	11%
Branch Count	15 0 YoY 0 QoQ	-5	20	27	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	1.6% +0.1pp YoY +0.2pp QoQ	+0.7pp	0.8%	1.3%	1.0%	87%
Allowance Coverage	0.71x -13.1% YoY -11.6% QoQ	-18.00x	18.71x	1.92x	20.23x	12%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	6.2% +2.1pp YoY -0.5pp QoQ	-6.4pp	12.6%	7.9%	11.6%	12%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.8%	1.7%	26%
Net Income ($, YTD)	$3.8M +65.1% YoY — QoQ	-$15.4M	$19.2M	$111.2M	$40.4M	7%

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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 (3)

Credit Risk Growth

risk

#35 of 402 • Bottom 8.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Flatlined Growth

risk

#20 of 162 • Bottom 11.7% 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: 0.55%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#35 of 60 • Bottom 56.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.64%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

130

Non-Interest Income / Assets

revenue_mix

Value: 0.59%

Peer Median: 0.53%

#130 of 885 Top 14.6% in $1B-$10B

Top Weaknesses (5 metrics)

840

Efficiency Ratio

profitability

Value: 82.64%

Peer Median: 59.73%

#840 of 885 Bottom 5.2% in $1B-$10B

809

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.39%

#809 of 885 Bottom 8.7% in $1B-$10B

751

Delinquency Rate

credit_quality

Value: 1.56%

Peer Median: 0.87%

#751 of 882 Bottom 15.0% in $1B-$10B

732

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.67%

#732 of 885 Bottom 17.4% in $1B-$10B

674

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.87%

#674 of 885 Bottom 24.0% in $1B-$10B