Ridgewood Savings Bank
Ridgewood Savings Bank reported total assets of $7.5 bn at Q2 2026, up 3.3% on a year earlier, the 206th largest of 497 banks in our US coverage. Ridgewood Savings Bank uses the community bank leverage ratio framework, with a leverage ratio of 13.27%, and the uninsured share of Ridgewood Savings Bank was 10.27%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Ridgewood Savings Bank climbed from 492nd to 412th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Ridgewood Savings Bank reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: 2.13% at , where the median of the 339 banks is 3.66% (FDIC Call Reports).
- The uninsured share of domestic deposits of Ridgewood Savings Bank, 10.27% at , places Ridgewood Savings Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%; FDIC Call Reports).
What sets Ridgewood Savings Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than Ridgewood Savings Bank, at 5.53% in ; the group median is 12.68%.
How large is Ridgewood Savings Bank?
The balance sheet of Ridgewood Savings Bank at : assets $7.5 bn, deposits $6.0 bn, net loans $4.8 bn (loans equal to 80.53% of deposits). Securities make up 23.2% of total assets at Ridgewood Savings Bank. Since , when Ridgewood Savings Bank held $5.3 bn, its assets grew 43.7%. In the year to , deposits at Ridgewood Savings Bank rose 4.1% while its total assets rose 3.3%. At , Ridgewood Savings Bank employed 523 full-time equivalent staff across 38 offices, about $14.4 mn of assets per employee and $158.2 mn of deposits per office.
How much funding at Ridgewood Savings Bank is uninsured?
At Ridgewood Savings Bank, uninsured deposits (above the FDIC limit) made up 10.27% of domestic deposits at (-3.96 pp on a year earlier); Ridgewood Savings Bank ranks 470th of 500 on this measure. In dollars, Ridgewood Savings Bank estimated $617.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.0 bn | +4.1% | 206th of 499 |
| Net loans and leases | $4.8 bn | +1.0% | 218th of 500 |
| Loan-to-deposit ratio | 80.53% | -2.41 pp | 336th of 500 |
| Net interest margin | 2.13% | +0.29 pp | 478th of 500 |
| Return on assets (ROA) | 0.70% | +0.26 pp | 450th of 500 |
| Efficiency ratio | 67.30% | -11.44 pp | 412th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $51.1 mn | Narrowed by $7.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $120.3 mn | Narrowed by $15.9 mn | |
| Noncurrent loans to total loans | 1.85% | -0.08 pp | 449th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.18% | +0.15 pp | 334th of 500 (1 = lowest) |
US rank of Ridgewood Savings Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Ridgewood Savings Bank: assets, deposits and loans
- Total assets $7.5bn
- Deposits $6.0bn
- Net loans $4.8bn
Capital and securities
Ridgewood Savings Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 13.27% in . Equity capital of Ridgewood Savings Bank at : $962.5 mn, or 12.8% of total assets.
On held-to-maturity securities, Ridgewood Savings Bank carried an unrealized loss of $51.1 mn at , equal to 5.3% of equity capital. The loss narrowed by $7.4 mn over the year. Its deepest point: $100.6 mn in . The available-for-sale portfolio of Ridgewood Savings Bank showed an unrealized loss of $120.3 mn at ; the loss narrowed by $15.9 mn over the year.
Ridgewood Savings Bank: capital ratios
- Total capital 21%
- CET1 20%
- Tier 1 leverage 13%
Ridgewood Savings Bank: unrealized securities gains and losses
- Available for sale -$120mn
- Held to maturity -$51mn
Profitability and loan quality
For the year to , Ridgewood Savings Bank earned a return on equity of 5.53%; return on assets: 0.70%. Net interest margin at Ridgewood Savings Bank: 2.13%, +0.29 pp in a year. Ridgewood Savings Bank net income: $26.3 mn, up 65.3% year on year. The efficiency ratio of Ridgewood Savings Bank was 67.30%: about 67 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 1.85% of total loans at Ridgewood Savings Bank; net charge-offs: 0.18% of average loans. Gross loans and leases at Ridgewood Savings Bank: $4.9 bn, up 1.0% in a year.
Ridgewood Savings Bank: profitability
- Return on equity 5.5%
- Net interest margin 2.1%
- Return on assets 0.7%
Peer group of Ridgewood Savings Bank
The peer group of Ridgewood Savings Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Ridgewood Savings Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, Ridgewood Savings Bank shows return on equity 5.53% against a peer median of 12.52% and uninsured deposit share 10.27% against a peer median of 38.40%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Kearny Bank | State-chartered stock savings bank | NJ | $7.7 bn | 13.44% | 4.90% | 39.15% | |
| Ocean Bank | State nonmember bank | FL | $7.6 bn | 11.41% | 11.41% | 45.92% | |
| Bank of Colorado | State nonmember bank | CO | $7.6 bn | 14.74% | 13.63% | 37.66% | |
| Ridgewood Savings Bank | State-chartered stock savings bank | NY | $7.5 bn | not reported | 5.53% | 10.27% | |
| Northpointe Bank | State nonmember bank | MI | $7.5 bn | 11.10% | 14.05% | 7.12% | |
| Central Pacific Bank | State member bank | HI | $7.5 bn | 13.44% | 14.16% | 42.17% | |
| Needham Bank | State member bank | MA | $7.4 bn | 11.50% | 9.14% | 28.20% | |
. FDIC Call Reports.
Last eight quarters
Two years at Ridgewood Savings Bank, to : assets +5.3%, deposits +6.8%, equity +11.3%. Staff 516 to 523.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.2 bn | $7.2 bn | $7.3 bn | $7.3 bn | $7.4 bn | $7.5 bn | $7.5 bn | $7.5 bn |
| Total deposits | $5.6 bn | $5.7 bn | $5.8 bn | $5.8 bn | $5.8 bn | $5.9 bn | $6.0 bn | $6.0 bn |
| Bank equity capital | $864.9 mn | $860.9 mn | $881.9 mn | $900.1 mn | $919.8 mn | $940.9 mn | $948.4 mn | $962.5 mn |
| Return on equity (ROE) | 3.65% | 3.00% | 2.44% | 3.61% | 4.12% | 4.08% | 4.11% | 5.53% |
| Uninsured share of domestic deposits | 14.10% | 13.21% | 13.75% | 14.23% | 15.13% | 10.90% | 11.82% | 10.27% |
| Full-time equivalent employees | 516 | 514 | 524 | 524 | 517 | 516 | 522 | 523 |
| Number of offices | 38 | 38 | 38 | 38 | 38 | 38 | 38 | 38 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Ridgewood Savings Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Ridgewood Savings Bank?
Ridgewood Savings Bank reported $7.5 bn at in its Call Report. That makes Ridgewood Savings Bank the 206th largest of 497 banks in our US coverage.
Is Ridgewood Savings Bank profitable?
Ridgewood Savings Bank reported net income of $26.3 mn for the year to ; annualized return on equity: 5.53%. So yes: Ridgewood Savings Bank made a profit over these months.
When is data for Ridgewood Savings Bank next updated?
Figures from Ridgewood Savings Bank for are due after .
Where can I check the figures for Ridgewood Savings Bank?
In the FDIC BankFind Suite record for certificate 16026, and in the Call Reports of Ridgewood Savings Bank (RSSD ID 859712) at the FFIEC Central Data Repository.