Rondout Savings Bank: how it compares with its peers
Against 38 NY banks with half to twice its assets, Rondout Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (2.63% vs. 3.75%).
| Measure | Rondout Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.27% | 0.69% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.63% | 3.75% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 86.75% | 74.24% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.1M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.70% | 88.47% | Context |
What it means for lending operations
Its efficiency ratio of 86.75% is above the 74.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Piermont Bank New York, NY · $505M
- Cross County Savings Bank Middle Village, NY · $525M
- Champlain National Bank Elizabethtown, NY · $497M
- The Berkshire Bank New York, NY · $530M
- Fulton Savings Bank Fulton, NY · $492M
- Wallkill Valley Federal Savings and Loan Association Wallkill, NY · $485M
Questions about Rondout Savings Bank
How big is Rondout Savings Bank?
Rondout Savings Bank, established in 1868, is headquartered in Kingston, NY. It reported $512M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Rondout Savings Bank's return on assets?
0.27% annualized in Q2 2026, against a 0.69% median for 38 NY banks with half to twice its assets, ahead of 32% of them.
What is Rondout Savings Bank's efficiency ratio?
86.75% in Q2 2026: it spent about 87 cents in noninterest expense for each dollar of revenue. The peer median is 74.24%, and lower is better.
Is Rondout Savings Bank growing its loans?
Net loans grew 0.5% over the year to Q2 2026, while deposits shrank 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.