BlastPoint's Banking Scorecard
Ulster Savings Bank
Community
Specialty: Commercial
NY
FDIC cert 15970
Designations: ✓ Mutual
Kingston, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Ulster Savings Bank faces 3 concerns requiring attention
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 34% in Community
- - Efficiency Drag: Bottom 68% in Community
- - Return on Assets 0.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+3.8% YoY
-0.3% QoQ
|
-$7.5M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.0B
+4.6% YoY
+3.3% QoQ
|
+$69.8M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.2B
+3.5% YoY
-0.1% QoQ
|
+$58.5M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.44%
+86.2% YoY
+10.7% QoQ
|
-0.73% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.03%
+10.3% YoY
+2.0% QoQ
|
-0.64% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
86.95%
-5.3% YoY
-0.7% QoQ
|
+24.31% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.36%
+32.0% YoY
-5.8% QoQ
|
+0.73% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
85.46%
+1.0% YoY
+3.5% QoQ
|
+2.40% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
17.35%
+4.4% YoY
+0.2% QoQ
|
-3.69% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
1.03%
+31.1% YoY
-2.4% QoQ
|
+0.53% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.84%
+2.2% YoY
-0.6% QoQ
|
+3.60% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
1.11%
+1.1% YoY
+31.5% QoQ
|
+0.37% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#218 of 642 · Bottom 34% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Efficiency Drag
risk
#104 of 152 · Bottom 68% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.95%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.44%
(Tier avg: 1.16%, National avg: 1.12%)
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
88
88th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.74%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Tier 1 Capital Ratio
Current: 13.84% · Tier avg: 10.24%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.46% · Tier avg: 83.06%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.35% · Tier avg: 21.05%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
18
18th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
18
18th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.63%
9
9th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.95% · Tier avg: 62.63%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 86.95% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
18
18th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.63%
18
18th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.35% · Tier avg: 21.05%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.46% · Tier avg: 83.06%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
66
66th pctile
Tier 1 Capital Ratio
Current: 13.84% · Tier avg: 10.24%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
88
88th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.74%