🏦Bank Scorer

RIDGEWOOD SAVINGS BANK

RIDGEWOOD, NY · Supervised by FDIC

Est. 1921FDIC #16,026RSSD: FDIC-16026
Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.52%

Institution Profile

FDIC BankFind

Address

7102 Forest Ave, RIDGEWOOD, NY

County

Queens County

Established

June 18, 1921

Total Assets

$7.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.5B

Total Deposits

$6.0B

Net Loans

$4.8B

Net Income

$10M

ROA

0.52%

ROE

4.11%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.51%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

38

Branch Deposits

$5.8B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202449664.11%13.51%
202368557.23%17.96%
20221,40062.21%14.64%
202196057.6%18.02%
202097655.43%14.75%
201995759.46%16.61%
20181,11258.81%16.01%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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