BlastPoint's Banking Scorecard
Ridgewood Savings Bank
Mid-Market
Specialty: Commercial
NY
FDIC cert 16026
Designations: ✓ Community bank ✓ Mutual
Ridgewood, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
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
- - Capital Thin: Bottom 14% in Mid-Market
- - Net Interest Margin 1.45% below tier
- - Efficiency Ratio 17.94% above tier
- - Delinquency Rate 0.90% above tier
- - Non-Interest Income / Assets 0.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.5B
+4.0% YoY
+1.4% QoQ
|
-$3.0B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$4.9B
+3.8% YoY
+0.6% QoQ
|
-$2.3B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$5.9B
+4.5% YoY
+1.4% QoQ
|
-$2.6B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
0.50%
+40.7% YoY
-0.4% QoQ
|
-0.66% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
1.94%
+12.3% YoY
+4.0% QoQ
|
-1.45% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
74.54%
-11.1% YoY
-3.6% QoQ
|
+17.94% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
1.59%
-7.5% YoY
-9.7% QoQ
|
+0.90% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
81.78%
-0.6% YoY
-0.9% QoQ
|
-3.69% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
9.60%
+1.1% YoY
+1.6% QoQ
|
-11.04% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
1.03%
-7.7% YoY
-10.4% QoQ
|
+0.53% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.22%
-4.4% YoY
+32.4% QoQ
|
-0.74% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Capital Thin
risk
#8 of 51 · Bottom 14% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
1.94%
(Tier avg: 3.40%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
74.54%
(Tier avg: 56.60%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 10%
in Mid-Market
Why this stands out
Current:
1.59%
(Tier avg: 0.68%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
0.22%
(Tier avg: 0.96%, National avg: 0.65%)
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
66
66th pctile
Loan-to-Deposit Ratio
Current: 81.78% · Tier avg: 85.47%
38
38th pctile
Total Assets
Current: $7.5B · Tier avg: $10.5B
36
36th pctile
Total Deposits
Current: $5.9B · Tier avg: $8.5B
35
35th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 9.60% · Tier avg: 20.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
13
13th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
10
10th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.68%
9
9th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.96%
9
9th pctile
Efficiency Ratio
Current: 74.54% · Tier avg: 56.60%
7
7th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.40%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
7
7th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.40%
9
9th pctile
Efficiency Ratio
Current: 74.54% · Tier avg: 56.60%
9
9th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.96%
10
10th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.68%
13
13th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 9.60% · Tier avg: 20.64%
35
35th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
36
36th pctile
Total Deposits
Current: $5.9B · Tier avg: $8.5B
38
38th pctile
Total Assets
Current: $7.5B · Tier avg: $10.5B
66
66th pctile
Loan-to-Deposit Ratio
Current: 81.78% · Tier avg: 85.47%