Ulster Savings Bank (FDIC #15970): Bank Stress & Real-Estate Credit Exposure
Ulster Savings Bank (FDIC Cert #15970): bank stress 83/100, severe, STABLE over 7 days.
Ulster Savings Bank (#15970) lends in 3 counties across 1 state; Ulster Savings Bank (#15970) reaches 147 ZIP codes: New York 3 counties, 147 ZIPs.
Ulster Savings Bank (#15970) largest markets: Ulster County, NY (567 branches, 63 ZIPs) (#15970), Orange County, NY (52 branches, 52 ZIPs) (#15970), Dutchess County, NY (175 branches, 35 ZIPs) (#15970).
Ulster Savings Bank (#15970) reports $1.39 billion in total assets; Ulster Savings Bank (#15970) equity $124.6 million (9.0% of Ulster Savings Bank (#15970) assets); Ulster Savings Bank (#15970) domestic deposits $1.24 billion; Ulster Savings Bank (#15970) net income $3.8 million; Ulster Savings Bank (#15970) return on assets 0.55%; Ulster Savings Bank (#15970) return on equity 6.24%; Ulster Savings Bank (#15970) net interest income $20.9 million; Ulster Savings Bank (#15970) call report June 30, 2026.
Ulster Savings Bank (#15970) noncurrent real-estate loans: none reported; Ulster Savings Bank (#15970) net charge-offs on real estate 1.66%; Ulster Savings Bank (#15970) multifamily charge-offs 0.16%; Ulster Savings Bank (#15970) residential charge-offs 3.78%.
Ulster Savings Bank (#15970) net interest margin 3.26% against an eight-quarter Ulster Savings Bank (#15970) average of 2.97% (Ulster Savings Bank (#15970) compression -0.29 points); Ulster Savings Bank (#15970) non-residential real estate 377.5% of equity; Ulster Savings Bank (#15970) rate-exposure score 40/100, Ulster Savings Bank (#15970) fixed-rate trap 40/100; Ulster Savings Bank (#15970) risk type credit driven; Ulster Savings Bank (#15970) rate regime rates elevated, Ulster Savings Bank (#15970) snapshot October 19, 2026.
Ulster Savings Bank (#15970) stress score moved from 80.6 on June 22, 2026 to 83.1 on October 19, 2026; Ulster Savings Bank (#15970) ranged 80.6 to 83.1 over 116 snapshots.
Ulster Savings Bank (#15970) alerts: 3 counties; top Ulster Savings Bank (#15970) alert scores: Newburgh County, NY 27 (low); Wappingers Falls County, NY 27 (low); Woodstock County, NY 27 (low).