BlastPoint's Banking Scorecard
Rondout Savings Bank
Community
Specialty: Mortgage
NY
FDIC cert 15969
Designations: ✓ Mutual
Kingston, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Rondout Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1% in Community
- - Return on Assets 1.03% below tier
- - Net Interest Margin 1.35% below tier
- - Efficiency Ratio 31.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$512.0M
-2.8% YoY
-0.6% QoQ
|
-$879.4M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$408.4M
-4.0% YoY
+0.4% QoQ
|
-$567.1M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$449.0M
+3.3% YoY
-0.8% QoQ
|
-$715.6M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.13%
+113.7% YoY
+278.8% QoQ
|
-1.03% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.31%
+14.5% YoY
+3.6% QoQ
|
-1.35% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
94.12%
-8.6% YoY
-4.5% QoQ
|
+31.49% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.47%
-52.4% YoY
+8.6% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
90.96%
-7.1% YoY
+1.2% QoQ
|
+7.90% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
14.12%
-3.1% YoY
-2.0% QoQ
|
-6.92% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.37%
-52.9% YoY
+9.7% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
14.68%
+4.3% YoY
+0.4% QoQ
|
+4.44% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.42%
+14.0% YoY
+58.5% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#7 of 513 · Bottom 1% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.96%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.31%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
94.12%
(Tier avg: 62.63%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 10.24%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.96% · Tier avg: 83.06%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.12% · Tier avg: 21.05%
16
16th pctile
Total Loans
Current: $408.4M · Tier avg: $975.5M
5
5th pctile
Total Deposits
Current: $449.0M · Tier avg: $1.2B
4
4th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.16%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.66%
2
2th pctile
Efficiency Ratio
Current: 94.12% · Tier avg: 62.63%
2
2th pctile
Total Assets
Current: $512.0M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $512.0M · Tier avg: $1.4B
2
2th pctile
Efficiency Ratio
Current: 94.12% · Tier avg: 62.63%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.66%
4
4th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.16%
5
5th pctile
Total Deposits
Current: $449.0M · Tier avg: $1.2B
16
16th pctile
Total Loans
Current: $408.4M · Tier avg: $975.5M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.12% · Tier avg: 21.05%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.96% · Tier avg: 83.06%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 10.24%