Rondout Savings Bank
Kingston, NY
IDRSSD: 425108
Total Assets
$515.27M
Latest filing
Total Deposits
$452.72M
Latest filing
Net Interest Margin
2.41%
Profitability
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 | 03/24/1868 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 12401 |
| State and County Number | 36111 |
| 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 | Kingston, NY |
Operational Info
| Number of Employees | 65 |
| Domestic Offices | 5 |
| 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.rondoutbank.com |
| Data Updated | 11/14/2025 |
| CERT | 15969 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $515.27M |
| Total Deposits | $452.72M |
| Total Liabilities | $473.07M |
| Total Equity Capital | $42.20M |
| Net Income | $253.00k |
| Net Loans and Leases | $406.83M |
| Assets Per Employee ($Millions) | $8.18M |
| Bank Premises and Fixed Assets | $11.58M |
| Cash and Balances due from Depository Institutions | $35.80M |
| Deposits Held in Domestic Offices | $452.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.2% |
| Return on Equity (ROE) | 2.44% |
| Net Interest Margin | 2.41% |
| Efficiency Ratio | 89.25% |
| Tier 1 Risk-Based Capital Ratio | 14.631% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.19% |
| Earning Assets to total Assets | 94.47% |
Income and Expense
| Total Interest Income | $5.51M |
| Total Noninterest Income | $447.00k |
| Total Interest Expense | $2.57M |
| Total Noninterest Expense | $3.03M |
| Net Interest Income | $2.95M |
| Pre-tax Net Operating Income | $328.00k |
| Provision for Credit Losses | $37.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $16.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.35M |
| Total Liabilities and Capital | $515.27M |
Securities
| Securities | $48.47M |
| Available-for-sale debt securities | $48.47M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Rondout Savings Bank?
$515.27M as of the latest filing.
How much are Rondout Savings Bank's total deposits?
$452.72M in total deposits.
Where is Rondout Savings Bank located?
Kingston, NY.
What is the Net Interest Margin?
2.41%.
How many domestic offices does it operate?
5.
When was it established?
03/24/1868.
What is the Return on Assets (ROA)?
0.2%.
How much are total loans and leases?
$406.83M (latest filing).
What is the total interest income (latest filing)?
$5.51M.