Visbanking Logo

Ridgewood Savings Bank

Ridgewood, NY
IDRSSD: 859712
Total Assets
$7.38B
Latest filing
Total Deposits
$5.85B
Latest filing
Net Interest Margin
1.92%
Profitability
0

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Similar banks

Metropolitan Commercial Bank
New York, New York
→
Assets: $7.85BΔ +7.5%
Mizuho Bank (USA)
New York, New York
→
Assets: $6.60BΔ -9.6%
TrustCo Bank
Glenville, New York
→
Assets: $6.35BΔ -13.1%
Bank of India
New York, New York
→
Assets: $8.33BΔ +13.9%
Tompkins Community Bank
Ithaca, New York
→
Assets: $8.34BΔ +14.1%
Five Star Bank
Warsaw, New York
→
Assets: $6.11BΔ -16.4%

Institution Profile

Institution ClassState chartered stock savings banks / S&L
Primary RegulatorFDIC
Established Date06/18/1921
Community BankYes
Ownership TypeMutual
ZIP11385
State and County Number36081
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number02
Numeric code42
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameNew York-Newark-Jersey City, NY-NJ-PA

Operational Info

Number of Employees524
Domestic Offices39
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/01/1943
Primary Insurance AgencyDIF
Websitewww.ridgewoodbank.com
Data Updated11/14/2025
CERT16026
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$7.38B
Total Deposits$5.85B
Total Liabilities$6.46B
Total Equity Capital$919.91M
Net Income$11.60M
Net Loans and Leases$4.83B
Assets Per Employee ($Millions)$14.27M
Bank Premises and Fixed Assets$37.09M
Cash and Balances due from Depository Institutions$348.33M
Deposits Held in Domestic Offices$5.85B

Key Performance Ratios

Return on Assets (ROA)0.63%
Return on Equity (ROE)5.1%
Net Interest Margin1.92%
Efficiency Ratio74.61%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.463%
Earning Assets to total Assets93.72%

Income and Expense

Total Interest Income$72.64M
Total Noninterest Income$4.36M
Total Interest Expense$39.57M
Total Noninterest Expense$27.93M
Net Interest Income$33.07M
Pre-tax Net Operating Income$8.16M
Provision for Credit Losses$1.34M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$38.00k
Other borrowed funds$519.56M
Federal Funds Sold & Reverse Repurchase Agreement$100.40M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$90.78M
Total Liabilities and Capital$7.38B

Securities

Securities$1.66B
Available-for-sale debt securities$1.04B
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$416.68M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Ridgewood Savings Bank?
$7.38B as of the latest filing.
How much are Ridgewood Savings Bank's total deposits?
$5.85B in total deposits.
Where is Ridgewood Savings Bank located?
Ridgewood, NY.
What is the Net Interest Margin?
1.92%.
How many domestic offices does it operate?
39.
When was it established?
06/18/1921.
What is the Return on Assets (ROA)?
0.63%.
How much are total loans and leases?
$4.83B (latest filing).
What is the total interest income (latest filing)?
$72.64M.