| Metric | Rondout Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.9% | -6.5 pts |
| Deposit growth (YoY) | -2.1% | +4.3% | -6.4 pts |
| Loan growth (YoY) | +0.5% | +5.3% | -4.8 pts |
| ROA | 0.27% | 1.28% | -1.0 pts |
| ROE | 3.2% | 12.4% | -9.2 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $512.0M | $449.3M | $407.6M | $43.7M | $691K | 0.27% | 2.63% | 0.15% |
| Q1 2026 | $510.4M | $443.4M | $408.8M | $43.2M | $192K | 0.15% | 2.59% | 0.37% |
| Q4 2025 | $512.0M | $449.0M | $408.4M | $43.3M | $674K | 0.13% | 2.31% | 0.37% |
| Q3 2025 | $515.3M | $452.7M | $406.8M | $42.2M | $134K | 0.03% | 2.23% | 0.34% |
| Q2 2025 | $520.4M | $458.8M | $405.4M | $40.9M | $-119K | -0.05% | 2.14% | 0.72% |
| Q1 2025 | $527.3M | $453.3M | $417.8M | $40.8M | $-93K | -0.07% | 2.09% | 0.70% |
| Q4 2024 | $526.9M | $434.5M | $425.5M | $39.9M | $332K | 0.06% | 2.02% | 0.79% |
| Q3 2024 | $545.8M | $440.0M | $436.3M | $41.4M | $514K | 0.12% | 2.07% | 0.24% |
Loan mix (Q2 2026): real estate $374.5M · commercial $26.9M · consumer $10.3M · securities $47.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Rondout Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 1.28% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 12.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 61.2% | 94th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Rondout Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Rondout Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Rondout Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Rondout Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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