TellerScore

Headquartered in Ridgewood, New York, Ridgewood Savings Bank is a si with $7.5B in total assets and $6.0B in deposits as of Q2 2026. It operates 38 offices. Its charter dates back to 1921.

Ridgewood Savings Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 59th. Capital cushion contributes the most (83/100, 13.27%); loan quality contributes the least (38/100, 1.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.27%
Loan quality38/100
Noncurrent loans ÷ total loans: 1.85%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 80.5% · 10.3% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (60 → 64), mostly because the earnings component improved by 10 points.

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202463
Q4 202462
Q1 202561
Q2 202560
Q3 202563
Q4 202564
Q1 202664
Q2 202664
Tier 1 leverage ratio
5.00%9.14%13.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.26%
Q3 202413.20%
Q4 202413.08%
Q1 202513.02%
Q2 202513.11%
Q3 202513.18%
Q4 202513.11%
Q1 202613.14%
Q2 202613.27%
Noncurrent loans
1.21%1.57%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.21%
Q3 20241.65%
Q4 20241.70%
Q1 20251.74%
Q2 20251.93%
Q3 20251.74%
Q4 20251.58%
Q1 20261.64%
Q2 20261.85%
Return on assets
0.29%0.50%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.43%
Q4 20240.36%
Q1 20250.29%
Q2 20250.44%
Q3 20250.50%
Q4 20250.50%
Q1 20260.52%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$7.5B13.27%1.85%0.70%80.5%
Q1 202664$7.5B13.14%1.64%0.52%80.3%
Q4 202564$7.5B13.11%1.58%0.50%81.8%
Q3 202563$7.4B13.18%1.74%0.50%82.5%
Q2 202560$7.3B13.11%1.93%0.44%82.9%
Q1 202561$7.3B13.02%1.74%0.29%81.9%
Q4 202462$7.2B13.08%1.70%0.36%82.3%
Q3 202463$7.2B13.20%1.65%0.43%82.3%
Q2 202468$7.0B13.26%1.21%0.42%82.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.27%
87th
Total risk-based capital0.00%
13th
Problem loans1.85%
10th
Net charge-offs0.18%
21st
Return on assets0.70%
14th
Net interest margin2.13%
3rd
Efficiency ratio67.3%
27th
Loans to deposits80.5%
66th
Uninsured deposits10.3%
96th
Loan-loss reserves0.73%
11th
Texas ratio9.0%
20th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of IndiaBank New York, NY48 out of 100, Below average$7.4B0.0%0.00%vs
TrustCo BankBank Glenville, NY62 out of 100, Moderate$6.5B8.4%0.40%vs
Tompkins Bank & TrustBank Ithaca, NY60 out of 100, Moderate$8.8B9.1%0.80%vs
Five Star BankBank Rochester, NY66 out of 100, Moderate$6.3B10.9%0.82%vs
Metropolitan Commercial BankBank New York, NY66 out of 100, Moderate$8.9B11.1%0.91%vs
Amalgamated BankBank New York, NY53 out of 100, Below average$9.4B9.6%1.99%vs

Deposit insurance

Is my money safe at Ridgewood Savings Bank?

Yes. Ridgewood Savings Bank is an FDIC-insured institution (FDIC certificate #16026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.3% of deposits ($617.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

38 locations

Branches

Ridgewood Savings Bank lists 36 offices in 24 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ridgewood Savings Bank
Type
SI
FDIC certificate #
16026
RSSD ID
859712
Primary regulator
FDIC
Established
June 18, 1921
Headquarters
7102 Forest Ave, Ridgewood, NY 11385
Employees
523

Quick answers

Ridgewood Savings Bank: common questions

Is Ridgewood Savings Bank FDIC insured?

Yes. Ridgewood Savings Bank is an FDIC-insured institution (FDIC certificate #16026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ridgewood Savings Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ridgewood Savings Bank ever failed?

There is no failure record for FDIC certificate #16026 in the FDIC failed bank list.

How many branches does Ridgewood Savings Bank have?

38 offices as of the latest FDIC data.

Nearby

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B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs