BlastPoint's Banking Scorecard
Ridgewood Savings Bank
Designations: ✓ Community bank ✓ Mutual
Ridgewood, NY
38 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 +4.1% year over year ($6.0B on the books).
- Delinquency rate 1.86%.
- Return on assets 0.70%.
- Efficiency ratio 67.30% vs a 59.73% peer average.
- Loan-to-deposit ratio 80.53% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ridgewood 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
- - Net Interest Margin 1.74% below tier average
- - Non-Interest-Bearing Deposit Share 11.70% below tier average
- - ROA 0.69% below tier average
- - Efficiency Ratio 7.57% above tier average
- - Delinquency Rate 1.00% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.5B
+3.3% YoY
+0.1% QoQ
|
+$4.8B |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Top 5.3% in tier |
| Total Loans ? |
$4.8B
+1.0% YoY
+0.3% QoQ
|
+$2.9B |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Top 7.3% in tier |
| Total Deposits ? |
$6.0B
+4.1% YoY
+0.0% QoQ
|
+$3.7B |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Top 5.4% in tier |
| Return on Assets ? |
0.70%
+59.6% YoY
+35.3% QoQ
|
-0.69% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.3% in tier |
| Net Interest Margin ? |
2.13%
+15.6% YoY
+0.4% QoQ
|
-1.74% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio ? |
67.30%
-14.5% YoY
+3.4% QoQ
|
+7.57% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
1.86%
-4.2% YoY
+12.6% QoQ
|
+1.00% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.4% in tier |
| Loan-to-Deposit Ratio ? |
80.53%
-2.9% YoY
+0.3% QoQ
|
-4.51% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
9.57%
-0.7% YoY
-1.5% QoQ
|
-11.70% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.9% in tier |
| Nonperforming Asset Ratio ? |
1.19%
-6.3% YoY
+12.8% QoQ
|
+0.52% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.27%
+1.3% YoY
+1.0% QoQ
|
-1.57% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.14%
+32.4% YoY
+93.2% QoQ
|
-0.39% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
16% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
9.6%
-0.1pp YoY -0.1pp QoQ |
-11.8pp | 21.4% | 22.1% | 22.2% | 9% |
| 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 |
0.1%
0.0pp YoY 0.0pp QoQ |
-13.9pp | 14.0% | 11.0% | 12.5% | 0% |
| CRE | n/a | n/a | 50.0% | 46.2% | 41.4% | n/a |
| 1-4 Family |
49.7%
+1.2pp YoY +0.5pp QoQ |
+23.3pp | 26.4% | 36.6% | 31.3% | 90% |
| Consumer |
0.4%
+0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 5.1% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 26.1% | 19.7% | n/a |
| Leverage Ratio |
13.3%
+0.2pp YoY +0.1pp QoQ |
+2.0pp | 11.3% | 13.9% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 16.7% | 27.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
523
-1 (-0.2%) YoY +1 (+0.2%) QoQ |
+209 | 313 | 914 | 482 | 85% |
| Assets per Employee ($) |
$14.4M
+3.5% YoY -0.1% QoQ |
+$4.0M | $10.5M | $14.8M | $8.8M | 88% |
| Branch Count |
38
0 YoY 0 QoQ |
+18 | 20 | 27 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 44% |
| Nonaccrual |
1.8%
-0.1pp YoY +0.2pp QoQ |
+1.0pp | 0.8% | 1.3% | 1.0% | 91% |
| Allowance Coverage |
0.39x
-3.5% YoY -15.7% QoQ |
-18.32x | 18.71x | 1.92x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.5%
+1.9pp YoY +1.4pp QoQ |
-7.1pp | 12.6% | 7.9% | 11.6% | 10% |
| Cost of Funds (YTD) |
2.2%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.8% | 1.7% | 71% |
| Net Income ($, YTD) |
$26.3M
+65.3% YoY — QoQ |
+$7.1M | $19.2M | $111.2M | $40.4M | 79% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.