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Ridgewood Savings Bank
Ridgewood, NY·FDIC Cert #16026·Charter: STATE·Est. 19210618.0
Total Assets
$7.5B
Q4 2025
Return on Assets
0.50%
-0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
74.54%
Peer avg: 57.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.50%-0.00
ROE
4.08%-0.04
Efficiency
74.54%-2.77
Equity/Assets
0.00%+0.00
NPL Ratio
1.59%-0.17
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.78%-0.71
Charge-offs
0.12%+0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.4 | 0.4 | 0.4 | 0.3 | 0.4 | 0.5 | 0.5 |
| ROE | 3.9 | 3.5 | 3.6 | 3.0 | 2.4 | 3.6 | 4.1 | 4.1 |
| Efficiency | 84.6 | 83.1 | 83.6 | 83.9 | 78.2 | 78.7 | 77.3 | 74.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.3 | 1.2 | 1.7 | 1.7 | 1.8 | 1.9 | 1.8 | 1.6 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 81.9 | 82.7 | 82.3 | 82.3 | 81.9 | 82.9 | 82.5 | 81.8 |
Balance Sheet
Total Assets$7.5B
Total Deposits$5.9B
Total Loans$4.9B
Total Equity$940.9M
Profitability
ROA0.50%
ROE4.08%
Efficiency Ratio74.54%
Net Income$36.7M
Risk & Asset Quality
NPL Ratio1.59%
Charge-off Rate0.12%
Loan/Deposit81.78%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans