🏦Bank Scorer

RONDOUT SAVINGS BANK

KINGSTON, NY · Supervised by FDIC

Est. 1868FDIC #15,969RSSD: FDIC-15969
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.15%

Institution Profile

FDIC BankFind

Address

300 Broadway, KINGSTON, NY

County

Ulster County

Established

March 24, 1868

Total Assets

$510M(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

February 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$510M

Total Deposits

$443M

Net Loans

$409M

Net Income

$192K

ROA

0.15%

ROE

1.78%

Risk-Based Capital

15.96%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate16.49%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$459M

1-Year Change

-1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249759.79%16.49%
202319571.28%9.23%
202240275.37%8.21%
202154474.08%7.35%
202047479.11%5.91%
201941882.06%5.74%
201838183.2%3.15%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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