Side-by-side · Q2 2026 data
Tompkins Bank & Trust vs Ridgewood Savings Bank
Metric by metric
| Measure | Tompkins Bank & Trust | Ridgewood Savings Bank |
|---|---|---|
| TellerScore | 60 | 64 (stronger) |
| Capital cushion | 41 | 83 (stronger) |
| Loan quality | 73 (stronger) | 38 |
| Earnings | 75 (stronger) | 48 |
| Funding & liquidity | 40 | 80 (stronger) |
| Problem-loan coverage | 88 (stronger) | 82 |
| Peer percentile | 21st | 33rd |
| Total assets | $8.8B | $7.5B |
| Deposits / shares | $7.2B | $6.0B |
| Capital ratio | 9.11% | 13.27% (stronger) |
| Problem loans | 0.80% (stronger) | 1.85% |
| Net charge-offs | 0.07% (stronger) | 0.18% |
| Return on assets | 1.38% (stronger) | 0.70% |
| Loans ÷ deposits | 91.2% | 80.5% (stronger) |
| Uninsured deposits | 41.3% | 10.3% (stronger) |
| Offices | 56 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | — |
Ridgewood Savings Bank has the higher TellerScore (64 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Bank & Trust leads on 3 and Ridgewood Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.