Ulster Savings Bank
Kingston, NY
IDRSSD: 301800
Total Assets
$1.38B
Latest filing
Total Deposits
$1.22B
Latest filing
Net Interest Margin
3.19%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221971264KINGSTON, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Ulster Savings Bank
180 Schwenk Dr
Kingston, NY 12401
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/13/1851FDIC Certificate 10201
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Ulster Savings Bank (Main) | 180 Schwenk Dr | Kingston, NY |
| NEW PALTZ BRANCH | 226 Main St | New Paltz, NY |
| POUGHKEEPSIE BRANCH | 39 Burnett Blvd | Poughkeepsie, NY |
| POUGHKEEPSIE II BRANCH | 2680 South Rd | Poughkeepsie, NY |
| WALL STREET BRANCH | 280 Wall St | Kingston, NY |
| SAUGERTIES BRANCH | 1 Twin Maples Plaza, Route 9-W | Saugerties, NY |
| STONE RIDGE BRANCH | 3857 Main St | Stone Ridge, NY |
| RED HOOK BRANCH | 7296 S Broadway | Red Hook, NY |
Showing 7 of 14
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 | 04/13/1851 |
| 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 | 246 |
| Domestic Offices | 15 |
| 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.ulstersavings.com |
| Data Updated | 01/30/2026 |
| CERT | 15970 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.38B |
| Total Deposits | $1.22B |
| Total Liabilities | $1.26B |
| Total Equity Capital | $121.24M |
| Net Income | $1.94M |
| Net Loans and Leases | $1.05B |
| Assets Per Employee ($Millions) | $5.72M |
| Bank Premises and Fixed Assets | $19.95M |
| Cash and Balances due from Depository Institutions | $80.24M |
| Deposits Held in Domestic Offices | $1.22B |
Key Performance Ratios
| Return on Assets (ROA) | 0.56% |
| Return on Equity (ROE) | 6.47% |
| Net Interest Margin | 3.19% |
| Efficiency Ratio | 85.27% |
| Tier 1 Risk-Based Capital Ratio | 13.842% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.761% |
| Earning Assets to total Assets | 92.39% |
Income and Expense
| Total Interest Income | $15.53M |
| Total Noninterest Income | $3.64M |
| Total Interest Expense | $5.31M |
| Total Noninterest Expense | $11.82M |
| Net Interest Income | $10.22M |
| Pre-tax Net Operating Income | $2.45M |
| Provision for Credit Losses | $-408,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $22.01M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.52M |
| Total Liabilities and Capital | $1.38B |
Securities
| Securities | $167.85M |
| Available-for-sale debt securities | $167.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ulster Savings Bank?
$1.38B as of the latest filing.
How much are Ulster Savings Bank's total deposits?
$1.22B in total deposits.
Where is Ulster Savings Bank located?
Kingston, NY.
What is the Net Interest Margin?
3.19%.
How many domestic offices does it operate?
15.
When was it established?
04/13/1851.
What is the Return on Assets (ROA)?
0.56%.
How much are total loans and leases?
$1.05B (latest filing).
What is the total interest income (latest filing)?
$15.53M.