Side-by-side · Q2 2026 data
Ridgewood Savings Bank vs TrustCo Bank
Metric by metric
| Measure | Ridgewood Savings Bank | TrustCo Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 62 |
| Capital cushion | 83 (stronger) | 34 |
| Loan quality | 38 | 87 (stronger) |
| Earnings | 48 | 61 (stronger) |
| Funding & liquidity | 80 (stronger) | 59 |
| Problem-loan coverage | 82 | 92 (stronger) |
| Peer percentile | 33rd | 27th |
| Total assets | $7.5B | $6.5B |
| Deposits / shares | $6.0B | $5.7B |
| Capital ratio | 13.27% (stronger) | 8.38% |
| Problem loans | 1.85% | 0.40% (stronger) |
| Net charge-offs | 0.18% | -0.00% (stronger) |
| Return on assets | 0.70% | 1.04% (stronger) |
| Loans ÷ deposits | 80.5% (stronger) | 93.7% |
| Uninsured deposits | 10.3% (stronger) | 22.0% |
| Offices | 36 | 133 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.5% |
Ridgewood Savings Bank has the higher TellerScore (64 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Ridgewood Savings Bank leads on 4 and TrustCo Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.