FDIC certificate 15969
Rondout Savings Bank
Kingston, New York · 300 Broadway 12401
Hunter Score
This bank ranks below the middle of its size group.
Up 5 points from last quarter.
Compared with 1,424 banks with $300 million to $1 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Rondout Savings Bank has a Hunter Score of 18 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $300 million to $1 billion in assets.
The FDIC reported noncurrent loans of 0.19% (field NCLNLSR). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 68 out of 100. A rank of 50 is typical.
The FDIC reported net interest margin of 2.63% (field NIMY). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 4 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in New York with $300 million to $1 billion in assets, ordered by Hunter Score.
- Jeff Bank, National Association73out of 100
- Bank of Millbrook71out of 100
- Spring Bank64out of 100
- Watertown Savings Bank61out of 100
- American Community Bank56out of 100
Top Hunter Scores in New York · Top scores with $300 million to $1 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
3.19%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 8 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.27%
Profit for each dollar of assets. Higher is stronger.
Peer rank 6 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
2.63%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 4 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
86.75%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 7 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.19%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 68 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202618 out of 100
- Q1 2026, ending March 31, 202613 out of 100
- Q4 2025, ending December 31, 202512 out of 100
- Q3 2025, ending September 30, 202512 out of 100
- Q2 2025, ending June 30, 20257 out of 100
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About this bank
- Total assets
- $512.0 million
- Deposits
- $449.3 million
- Equity
- $43.7 million
- Tangible equity
- $43.7 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 5
- Charter
- Charter class SI
- Specialty
- Mortgage Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $691,000Year-to-date, as reported. Not annualized.
Holding company and stock symbol
This bank does not report a holding company. The Federal Reserve RSSD for the bank is 425108.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
300 Broadway, Kingston, NY 12401
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.