# RONDOUT SAVINGS BANK
KINGSTON, NY · FDIC certificate 15969 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $512.0M | |
| Deposits | $449.3M | |
| Loans and leases | $411.6M | |
| Total equity | $43.7M | |
| Loans / deposits | 90.70% (p72 of band) | 82.04% |
| Liquid assets / assets | 15.96% (p19 of band) | |
| Uninsured deposits / deposits | 19.37% (p26 of band) | 25.97% |
| Brokered deposits | 5.37% | |
| Wholesale funding | 8.30% (p72 of band) | |
| FHLB advances / assets | 2.93% | |
| Tier 1 leverage | 9.79% (p29 of band) | 10.81% |
| Unrealized securities loss / equity | -15.82% (p29 of band) | -8.10% |
| AOCI / equity | -0.51% (p41 of band) | |
| ROA (annualized) | 0.27% (p7 of band) | 1.28% |
| Net interest margin | 2.63% (p4 of band) | 3.91% |
| Efficiency ratio | 86.75% (p93 of band) | |
| Noncurrent loans | 0.19% (p33 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | 506.94% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 5.35% (p10 of band) | |
| Auto loans | $82,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | expense ratio p90 |  |
| 2016-03 | 1 | capital falling | expense ratio p90 |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 | uninsured deposits leaving | capital falling |
| 2017-03 | 1 | expense ratio p90 | uninsured deposits leaving |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | expense ratio p90 |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | brokered >10%, wholesale funding >15%, capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | securities losses >30% of equity |  |
| 2023-12 | 4 | NIM <2.5% | capital falling, securities losses >30% of equity |
| 2024-03 | 3 |  | brokered >10% |
| 2024-06 | 6 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2024-09 | 5 |  | loans exceed deposits |
| 2024-12 | 5 | assets shrinking | wholesale funding >15% |
| 2025-03 | 5 | losing money | deposits shrinking |
| 2025-06 | 3 |  | uninsured deposits leaving, assets shrinking |
| 2025-09 | 3 | assets shrinking | losing money |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-08-18 [Rondout Savings banks 150th year - Times Herald-Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxOTHIzb0dWTEJJSlhWamlSSll4cEM5RTl3d2VDTFFRcURsNUd6Nk5wMExISmstNk8zeTB1WWVKSkY2LTF4Nlp1RXRsWjNtYkVnaUZTMFVsMXBLMlM5cUpia21HVHp1cGlxWC1ESjUxNjZXZkFZYi0xS3V1Q1NTZnRNYjgtSmFlbDBGLVhDM05YNDVEcks5NGE5SkxGOFY?oc=5) · Times Herald-Record
- 2021-11-17 [Rondout Savings Bank Welcomes Kathleen Pless - Hudson Valley Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxPdF9IRUJuYXJPNXdvcktGTlVFbXRkbktuN2ZCTEpib2I2Sy1ITzk0QXhmb0ZNbW5nUDNrWUhEdzBDQ2VnMm5fNkVPdjJmQXRYZkhYRjdxY3h0SjB0eUNPQnRIYUpoN2ZWcm5iV1QtX3c2SUdfS203RXJPWEk0TVQxZFlCYlVnRzAtZXhRTUhZSQ?oc=5) · Hudson Valley Press
- 2023-11-09 [The Kingston Stockade’s banking community is about to get another competitor - Hudson Valley One](https://news.google.com/rss/articles/CBMitgFBVV95cUxPZHgzcmNtZnNDWDFScFdVa1lBVDZjNk5sSkZIMFhDMjdDamVGb3lXeWw2cnQ1TEJRa28tczUxZ1V3ZGxIdGtzWk9TZVUzcVRRT0w2T1BGUFFWODBmNlBxOW81a3ZsTjJ5UGl5ako2QTdySW1yVjl2bnNqazZJdUJVeEMwT1NreHpiaGs5TXUyX1cyWTB3b3pVV0FHZmxpcXNZRF9tZy0wQXRnQmkyYTRzVVJLSnpBUQ?oc=5) · Hudson Valley One
- 2017-12-07 [Cheryl Bowers named president and CEO of Rondout Savings Bank - Daily Freeman](https://news.google.com/rss/articles/CBMipAFBVV95cUxON2dQUHNVdkYzNjNGTkg0UlNmMlo3WElxeXMwMHdFTkhpZXNnUm04Um9VakNXbERUUnhLWklUYVJRWnhFMEs5NUVFSThKajlSbG1XNXJ6TXRNNWhTR0FrTTJlM3JWLVA0b3htM1RZYWctRDhxN2QyNUJaN0ZiU0p1OFdSZVhnQ3NsZW5JOENTZ09uVGlCOHpvMU5MSTJUZ2o3UndDbQ?oc=5) · Daily Freeman
- 2023-10-21 [Cheryl Bowers of Rondout Savings Bank to receive 2023 Chamber Award by Ulster County Regional Chamber of Commerce - Daily Freeman](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPZ3NBeDVINVpLUTNHcnA5N1BheC1VX1FIYXVIeDJWZHNYRnEySE9RTHdCR3JaUnpWMlBTY0N3TkJNbEZZcGVVZG5UcE1iVTUtRzQ1ZzlJb25nN3RoOU01ck9XS3JUMGJCUzNYd0FPVHUtejRyMThQbS1aUHlpQ3ZPM1VlMUc5ck1hNXJyOW9sMDRVOWEtUnJ1Z2hKWWNaZGRjRi1aUTdadk1mR05abmVmZzRKUnJKUG5RNm9Ed3NFc3lUZEZoWnRUTng0cjNyYV84NmFRcGpxQWZMYUFBcWI0T0lEZ3NxaGhRaWc?oc=5) · Daily Freeman
- 2021-02-17 [Jennifer Sickler Joins Rondout Savings Bank - Hudson Valley Press](https://news.google.com/rss/articles/CBMijgFBVV95cUxPbFdlSnV4LWxsUm5mc3otbU9VdGlJUGZrcC1GWDlLTmxPWlpkMVBHS2lTT0xSQV94SWJfeGZ2TFlOZVZodlc0V3BkSE8xLXM2dWk4azN1R3pRWEFOM1E1dnpkanZIU3lUb2t4X2w4Z3gzUi1Pc2lUSTFiaDkzT2JiejFRNDdNUGQ2TnZiYmNR?oc=5) · Hudson Valley Press
- 2026-04-13 [Jill Hummer Obituary (2026) - Saugerties, NY - Joseph V. Leahy Funeral Home, Inc. - Kingston - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1mY3g5c2o0SWJXOXI3aHhvdS1SN2JKd001WEJJa3YtaUVac0ptTkZFS1NJdjhoTDZVbEg4c3NaNlNtSi12endFUk5SQTA3aTVDaGpZTlJsZzVKaVYwTXhOVkZKR0F0bEQ0NlBST0RCV1FxRjVnYnhSSUw4MmwzVlU?oc=5) · legacy.com
- 2021-07-07 [Rondout Savings Bank Welcomes Sean Soliva - Hudson Valley Press](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQXzE1WlVSaXdxWF9HeWhoNHZtclhJOEJON240WEdWVjQ0UldXSW1FSUlmMm8zdVlqWm9vZ3lHcUpORGxXV1FZWmw3MWs5SUNyb0huRFlWRlRCVExSaXB2aWtOYVM5c194VlV0WHotZDVPbG9vVl8zYXk5MnJjakRQMWRSVURsVzVqbi0w?oc=5) · Hudson Valley Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15969 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "15969", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide