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Ulster Savings Bank

Kingston, NY
IDRSSD: 301800
Total Assets
$1.39B
Latest filing
Total Deposits
$1.22B
Latest filing
Net Interest Margin
3.08%
Profitability
0

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 ClassState chartered stock savings banks / S&L
Primary RegulatorFDIC
Established Date04/13/1851
Community BankYes
Ownership TypeMutual
ZIP12401
State and County Number36111
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 NameKingston, NY

Operational Info

Number of Employees247
Domestic Offices15
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.ulstersavings.com
Data Updated11/14/2025
CERT15970
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.39B
Total Deposits$1.22B
Total Liabilities$1.27B
Total Equity Capital$118.07M
Net Income$1.71M
Net Loans and Leases$1.01B
Assets Per Employee ($Millions)$5.64M
Bank Premises and Fixed Assets$20.30M
Cash and Balances due from Depository Institutions$112.65M
Deposits Held in Domestic Offices$1.22B

Key Performance Ratios

Return on Assets (ROA)0.49%
Return on Equity (ROE)5.87%
Net Interest Margin3.08%
Efficiency Ratio84.7%
Tier 1 Risk-Based Capital Ratio13.92%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.508%
Earning Assets to total Assets92.49%

Income and Expense

Total Interest Income$15.31M
Total Noninterest Income$3.97M
Total Interest Expense$5.48M
Total Noninterest Expense$11.69M
Net Interest Income$9.83M
Pre-tax Net Operating Income$2.11M
Provision for Credit Losses$0
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$28.01M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$16.94M
Total Liabilities and Capital$1.39B

Securities

Securities$172.72M
Available-for-sale debt securities$172.72M
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 Ulster Savings Bank?
$1.39B 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?
3.08%.
How many domestic offices does it operate?
15.
When was it established?
04/13/1851.
What is the Return on Assets (ROA)?
0.49%.
How much are total loans and leases?
$1.01B (latest filing).
What is the total interest income (latest filing)?
$15.31M.