Side-by-side · Q2 2026 data
Ulster Savings Bank vs Rhinebeck Bank
Metric by metric
| Measure | Ulster Savings Bank | Rhinebeck Bank |
|---|---|---|
| TellerScore | 53 | 69 (stronger) |
| Capital cushion | 48 | 59 (stronger) |
| Loan quality | 49 | 87 (stronger) |
| Earnings | 42 | 53 (stronger) |
| Funding & liquidity | 70 (stronger) | 66 |
| Problem-loan coverage | 76 | 95 (stronger) |
| Peer percentile | 11th | 53rd |
| Total assets | $1.4B | $1.5B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 9.79% | 10.93% (stronger) |
| Problem loans | 1.54% | 0.38% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.14% |
| Return on assets | 0.55% | 0.82% (stronger) |
| Loans ÷ deposits | 83.6% | 70.5% (stronger) |
| Uninsured deposits | 20.7% (stronger) | 36.5% |
| Offices | 15 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Rhinebeck Bank has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ulster Savings Bank leads on 2 and Rhinebeck Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Poughkeepsie, NY
- Kingston, NY
- Hyde Park, NY
- Newburgh, NY
- Red Hook, NY