# RIDGEWOOD SAVINGS BANK
RIDGEWOOD, NY · FDIC certificate 16026 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $7.55B | |
| Deposits | $6.01B | |
| Loans and leases | $4.88B | |
| Total equity | $962.6M | |
| Loans / deposits | 80.53% (p34 of band) | 87.10% |
| Liquid assets / assets | 29.79% (p76 of band) | |
| Uninsured deposits / deposits | 10.27% (p4 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.34% (p52 of band) | |
| FHLB advances / assets | 6.34% | |
| Tier 1 leverage | 13.27% (p86 of band) | 10.50% |
| Unrealized securities loss / equity | -39.80% (p5 of band) | -7.75% |
| AOCI / equity | -0.49% (p36 of band) | |
| ROA (annualized) | 0.70% (p14 of band) | 1.26% |
| Net interest margin | 2.13% (p3 of band) | 3.70% |
| Efficiency ratio | 67.30% (p73 of band) | |
| Noncurrent loans | 1.85% (p90 of band) | 0.51% |
| Net charge-offs (annualized) | 0.12% (p78 of band) | |
| Reserve coverage of noncurrent | 39.36% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 523 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 2 | capital falling |  |
| 2012-03 | 2 | NIM <2.5% | capital falling |
| 2012-06 | 1 |  | NIM <2.5% |
| 2012-09 | 2 | NIM <2.5% |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | capital falling, expense ratio p90 |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 3 | expense ratio p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | capital falling | expense ratio p90 |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 3 | expense ratio p90 |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | capital falling | expense ratio p90 |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | capital falling, losing money |  |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | expense ratio p90, noncurrent p90 | capital falling |
| 2021-03 | 3 |  | noncurrent p90 |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 3 | noncurrent p90 | expense ratio p90, capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | noncurrent p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | noncurrent p90 |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | noncurrent p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | noncurrent p90 |  |
| 2024-12 | 6 | capital falling, expense ratio p90 |  |
| 2025-03 | 5 |  | expense ratio p90 |
| 2025-06 | 4 |  | capital falling |
| 2025-09 | 3 |  | noncurrent p90 |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 4 | uninsured deposits leaving |  |

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

- 2026-01-08 [Ridgewood Savings Bank Announces Senior Leadership Promotions - qgazette.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWUJpWUw1YjBsazFheXU4N1FNa2p3cVd0bkdFb25zVHlQYzNZMzdqTjh5OG5venIyc3pWSkQxN3hGNGdvazJMb0d6aWZ5TUtnc005QW1MZXg5SlFxYlhTZWRiZDc2MXN4Tnk5S3gzQWtONXBpU3VZZEZ1VzlLUk92MzB3TUszOGJOeXh3T2d6WTF2VERWVXdpcjluYVA?oc=5) · qgazette.com
- 2026-01-08 [Fordham to Host NGWSD Clinic on Jan. 31 Presented by Ridgewood Savings Bank - Fordham University Athletics](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOQ1c2WmEtS2pSV256TmZkaVdjejYwRmdTQktPUVkxV2NBcC0zMWNtOTJKeFFFeDFkZHdwcGlzaUZSdXZVX084eU1KVkRLR293MXhsWkVaRFRwQnN2aHBwLVAxcTlLSTZZVFBkSjJBNXNVMXI5ZlFXek1zTFNrYkdhY1YxMnduVHZZSW9rNGdwZnRReEp2cEoxN0JCbGZFeGNXTkRhQ2lBQWFjVkhZY0RCcnRhYVNqeWRXNjVMSDhvZjBtT0VhWkhmNDNUdUtPbXZ1b0c0?oc=5) · Fordham University Athletics
- 2026-04-17 [Leonard Stekol - Long Island Business News](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBiT2IxZ1ZsN2hnRFpWWU9MQjF2b0w5bkZXRmNYb2wwSFdkWG0yNUNzSi03eDNVYVV6S3U0T2l6TjduWkVuQ2VCY1JqbjUtb3padWt1dF9fMW4?oc=5) · Long Island Business News
- 2025-11-12 [Mayor Adams, DCWP, NYC Public Schools Announce In-School Banking Pilot as Part of "Financial Literacy for Youth" Initiative - NYC.gov](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdjdCWWpObjVUbm8zV1hmay1BbVB6MVQtT0ZVN21idEZNYXNpdjYwS0JnYl9aZ3c2YWxXbXVxSk5XbHgxQ2NIU2ozb0ZtSlFzcjNOYmxSUWxwSC1LQ1VkQmR1andDTzU5Wk1GczhGWm9aYkd5M2ZFT0l4UXpGRTFPOE5aNFk0aGd5UUVBSjNEZHF0bTQzeW96VzRCWmJjVUpOWUpwa2RleXJOOTRQMDRHYw?oc=5) · NYC.gov
- 2025-10-06 [Ridgewood Savings Bank, Former Teller Dismiss Sex Bias Claims - Bloomberg Law News](https://news.google.com/rss/articles/CBMiowFBVV95cUxNbXhXZ3pmM29kdDVEY19XNXhEd1hjUXJlakZYVGZ2WGRIMWI1ZjJWOVFsb3ZIVFpxMUtwTWNrQzdzdlBPNzkwZE5qc2h5OFd1SXZhMzhHSjNaNGVLNXJ1d1NRam5VR0JMU0R1Nm5ySGhmS0ZhZDNjbFBTTWg4SFB3elZvNUFkaUd2WWgtYmVPUU9FRkxoa21Od1FkemJmb2tFWGJZ?oc=5) · Bloomberg Law News
- 2022-06-21 [Forbes Names Ridgewood Savings Bank to America’s Best-in-State Banks List for 3rd Consecutive Year - Norwood News](https://news.google.com/rss/articles/CBMixAFBVV95cUxQX1NHdWlaVVJoOWpFZjlhUjl4V3ZoczNoMU5ZMjBZOGpzWG9Tc0ZvQlkxejk0alVSc1BkSTdlMDgxTk1Ud2dyX2pLYmd6bDhCM3hCSHU1LUhQNUZDNjk5Z2FTMFdhaG1JMFVqYm5zQ1JpMldtd2E2c0cxajBJQVg5VEtMenNzTHRCRmRZR2hhUllkWm5QMlRIZklvRUIzWGVVNG96V1FWeEJhLUEtdUF4VWhVLWdJeXFGdzZmT2VrclYyS2FS?oc=5) · Norwood News
- 2022-06-28 [Forbes ranks Ridgewood Savings Bank among best in state for third year in a row - qns.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBSdTJvczNKUGttbmN5SmNYeFI3QVl0Q3RrdG9EME1sZTRMSks4N1Z4SnZlUXRqVjVybWZoUHg0dzE3TGc0MTYxbEVLMFNMb1RLeHJKNEhwWHVwZFZ2ek5MSmpDTk9fZHRZVWh5SUxVUmdKaEhuaF9nQ05OM0J0MXc?oc=5) · qns.com
- 2021-12-16 [Ridgewood Savings Bank Joins The HomeFirst Down Payment Assistance Program - National Mortgage Professional](https://news.google.com/rss/articles/CBMitwFBVV95cUxNR1AzUzdnelR6R2czcGpfQk1zV2l3eW5UQkw4UWFndjhweW5IM1FnX2RkYVF6My04VmhkZVdiQi1tV194WXZGYUVKcjRuMDhVcDVvel9Kamk3UmpTZ19PMU0tQm1VdFRPdXJXQXRFQzJwemN6ekwyOGMxMXhxVzNiX3Bla2NzaVdzVzRpVnc2SG9DN1VPLUQtSHVrQmdKNk5WQ05vS1JNcDRZc2Y2Um5hb3BDbktqNm8?oc=5) · National Mortgage Professional

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16026 (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/26.json (key "16026", 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.

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