BlastPoint's Banking Scorecard
Ulster Savings Bank
Designations: ✓ Community bank ✓ Mutual
Kingston, NY
15 branches across NY
Ulster Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 20.0% in tier
- - Efficiency Drag: Bottom 56.8% in tier
- - ROA 0.77% below tier average
- - Net Interest Margin 0.57% below tier average
- - Delinquency Rate 0.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+1.3% YoY
-0.9% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$1.0B
+3.1% YoY
-1.0% QoQ
|
-$930.3M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$1.2B
+1.6% YoY
-0.3% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.59%
+105.3% YoY
+36.3% QoQ
|
-0.77% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.1% in tier |
| Net Interest Margin ? |
3.25%
+14.5% YoY
+7.2% QoQ
|
-0.57% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
82.15%
-9.5% YoY
-5.5% QoQ
|
+21.09% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate ? |
1.39%
-16.3% YoY
+2.0% QoQ
|
+0.50% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
84.80%
+1.5% YoY
-0.8% QoQ
|
+0.60% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
16.86%
+0.4% YoY
-2.9% QoQ
|
-4.43% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.05%
-15.5% YoY
+1.8% QoQ
|
+0.37% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
14.24%
+4.9% YoY
+2.9% QoQ
|
-0.92% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.31%
+5.5% YoY
-71.6% QoQ
|
+0.06% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Top 12.4% in tier |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.