Ridgewood Savings Bank
Ridgewood, NY
IDRSSD: 859712
Total Assets
$7.48B
Latest filing
Total Deposits
$5.93B
Latest filing
Net Interest Margin
2.17%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
226071033RIDGEWOOD, NY226072317YONKERS, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Ridgewood Savings Bank
7102 Forest Ave
Ridgewood, NY 11385
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/18/1921FDIC Certificate 10255
Branches (37)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| Ridgewood Savings Bank (Main) | 7102 Forest Ave | Ridgewood, NY |
| FOREST HILLS BRANCH | 10755 Queens Blvd | Forest Hills, NY |
| HOLLIS BRANCH | 20511 Hillside Ave | Hollis, NY |
| LAURELTON BRANCH | 23022 Merrick Blvd | Laurelton, NY |
| FRANKLIN SQUARE BRANCH | 1010 Hempstead Tpke | Franklin Square, NY |
| GARDEN CITY BRANCH | 2435 Jericho Tpke | Garden City Park, NY |
| WHITESTONE BRANCH | 2529 Parsons Blvd | Flushing, NY |
| BREEZY POINT BRANCH | 20216 Rockaway Point Blvd | Breezy Point, NY |
Showing 7 of 37
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 06/18/1921 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 11385 |
| State and County Number | 36081 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 517 |
| Domestic Offices | 38 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1943 |
| Primary Insurance Agency | DIF |
| Website | www.ridgewoodbank.com |
| Data Updated | 01/30/2026 |
| CERT | 16026 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $7.48B |
| Total Deposits | $5.93B |
| Total Liabilities | $6.54B |
| Total Equity Capital | $941.08M |
| Net Income | $9.21M |
| Net Loans and Leases | $4.85B |
| Assets Per Employee ($Millions) | $14.5M |
| Bank Premises and Fixed Assets | $36.39M |
| Cash and Balances due from Depository Institutions | $405.01M |
| Deposits Held in Domestic Offices | $5.93B |
Key Performance Ratios
| Return on Assets (ROA) | 0.5% |
| Return on Equity (ROE) | 3.96% |
| Net Interest Margin | 2.17% |
| Efficiency Ratio | 67.43% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.577% |
| Earning Assets to total Assets | 93.71% |
Income and Expense
| Total Interest Income | $77.50M |
| Total Noninterest Income | $4.12M |
| Total Interest Expense | $39.76M |
| Total Noninterest Expense | $28.22M |
| Net Interest Income | $37.73M |
| Pre-tax Net Operating Income | $10.29M |
| Provision for Credit Losses | $3.33M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $38.00k |
| Other borrowed funds | $512.56M |
| Federal Funds Sold & Reverse Repurchase Agreement | $99.84M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $94.39M |
| Total Liabilities and Capital | $7.48B |
Securities
| Securities | $1.67B |
| Available-for-sale debt securities | $1.08B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $392.72M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ridgewood Savings Bank?
$7.48B as of the latest filing.
How much are Ridgewood Savings Bank's total deposits?
$5.93B in total deposits.
Where is Ridgewood Savings Bank located?
Ridgewood, NY.
What is the Net Interest Margin?
2.17%.
How many domestic offices does it operate?
38.
When was it established?
06/18/1921.
What is the Return on Assets (ROA)?
0.5%.
How much are total loans and leases?
$4.85B (latest filing).
What is the total interest income (latest filing)?
$77.50M.