BlastPoint's Banking Scorecard

Ridgewood Savings Bank

$1B-$10B Specialty: Commercial NY FDIC cert 16026

Designations: ✓ Community bank ✓ Mutual

Ridgewood, NY

38 branches across NY

884 banks in the $1B-$10B peer group nationally 38 in NY

Ridgewood Savings Bank faces 4 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

- Return on Assets 0.85% below tier average
- Net Interest Margin 1.70% below tier average
- Efficiency Ratio 4.02% above tier average
- Delinquency Rate 0.76% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$7.5B +3.3% YoY +0.8% QoQ	+$4.7B	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 5.9% in tier
Total Loans ?	$4.8B +2.1% YoY -0.5% QoQ	+$2.9B	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 7.5% in tier
Total Deposits ?	$6.0B +4.1% YoY +1.3% QoQ	+$3.7B	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 6.0% in tier
Return on Assets ?	0.52% +75.9% YoY +3.2% QoQ	-0.85%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 9.2% in tier
Net Interest Margin ?	2.12% +17.7% YoY +9.1% QoQ	-1.70%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 2.5% in tier
Efficiency Ratio ?	65.08% -16.8% YoY -12.7% QoQ	+4.02%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	1.65% -5.9% YoY +4.1% QoQ	+0.76%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Bottom 12.8% in tier
Loan-to-Deposit Ratio ?	80.32% -1.9% YoY -1.8% QoQ	-3.88%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	9.72% -0.2% YoY +1.3% QoQ	-11.57%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Bottom 11.1% in tier
Nonperforming Asset Ratio ?	1.06% -7.0% YoY +2.8% QoQ	+0.39%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	13.14% +0.9% YoY +0.2% QoQ	-2.02%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.07% +36.8% YoY -66.7% QoQ	-0.19%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	19%

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

Total Assets

size

Value: $7.54B

Peer Median: $2.82B

#53 of 884 Top 5.9% in $1B-$10B

Total Deposits

size

Value: $6.01B

Peer Median: $2.34B

#54 of 884 Top 6.0% in $1B-$10B

Total Loans

size

Value: $4.83B

Peer Median: $1.96B

#67 of 884 Top 7.5% in $1B-$10B

Top Weaknesses (6 metrics)

863

Net Interest Margin

profitability

Value: 2.12%

Peer Median: 3.82%

#863 of 884 Bottom 2.5% in $1B-$10B

804

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.37%

#804 of 884 Bottom 9.2% in $1B-$10B

787

Non-Interest-Bearing Deposit Share

funding

Value: 9.72%

Peer Median: 21.29%

#787 of 884 Bottom 11.1% in $1B-$10B

768

Delinquency Rate

credit_quality

Value: 1.65%

Peer Median: 0.89%

#768 of 880 Bottom 12.8% in $1B-$10B

717

Nonperforming Asset Ratio

credit_quality

Value: 1.06%

Peer Median: 0.67%

#717 of 884 Bottom 19.0% in $1B-$10B

716

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#716 of 884 Bottom 19.1% in $1B-$10B