Ridgewood Savings Bank (FDIC #16026): Bank Stress & Real-Estate Credit Exposure
Ridgewood Savings Bank (FDIC Cert #16026): bank stress 67/100, elevated, STABLE over 7 days.
Ridgewood Savings Bank (#16026) lends in 7 counties across 1 state; Ridgewood Savings Bank (#16026) reaches 452 ZIP codes: New York 7 counties, 452 ZIPs.
Ridgewood Savings Bank (#16026) largest markets: Suffolk County, NY (327 branches, 109 ZIPs) (#16026), Westchester County, NY (156 branches, 78 ZIPs) (#16026), New York County, NY (140 branches, 70 ZIPs) (#16026), Nassau County, NY (490 branches, 70 ZIPs) (#16026), Queens County, NY (748 branches, 68 ZIPs) (#16026), Kings County, NY (240 branches, 40 ZIPs) (#16026).
Ridgewood Savings Bank (#16026) reports $7.55 billion in total assets; Ridgewood Savings Bank (#16026) equity $962.5 million (12.8% of Ridgewood Savings Bank (#16026) assets); Ridgewood Savings Bank (#16026) domestic deposits $6.01 billion; Ridgewood Savings Bank (#16026) net income $26.3 million; Ridgewood Savings Bank (#16026) return on assets 0.70%; Ridgewood Savings Bank (#16026) return on equity 5.53%; Ridgewood Savings Bank (#16026) net interest income $75.0 million; Ridgewood Savings Bank (#16026) call report June 30, 2026.
Ridgewood Savings Bank (#16026) noncurrent real-estate loans 0.17% of its book; Ridgewood Savings Bank (#16026) multifamily 0.39%; Ridgewood Savings Bank (#16026) net charge-offs on real estate 1.85%; Ridgewood Savings Bank (#16026) multifamily charge-offs 2.47%; Ridgewood Savings Bank (#16026) residential charge-offs 0.33%.
Ridgewood Savings Bank (#16026) net interest margin 2.13% against an eight-quarter Ridgewood Savings Bank (#16026) average of 1.90% (Ridgewood Savings Bank (#16026) compression -0.23 points); Ridgewood Savings Bank (#16026) real-estate loans 16.6% of equity; Ridgewood Savings Bank (#16026) non-residential real estate 32.8% of equity; Ridgewood Savings Bank (#16026) rate-exposure score 40/100, Ridgewood Savings Bank (#16026) fixed-rate trap 40/100; Ridgewood Savings Bank (#16026) risk type credit driven; Ridgewood Savings Bank (#16026) rate regime rates elevated, Ridgewood Savings Bank (#16026) snapshot October 20, 2026.
Ridgewood Savings Bank (#16026) stress score moved from 69.3 on June 22, 2026 to 66.8 on October 20, 2026; Ridgewood Savings Bank (#16026) ranged 66.8 to 69.3 over 117 snapshots.
Ridgewood Savings Bank (#16026) alerts: 7 counties; top Ridgewood Savings Bank (#16026) alert scores: Bronx County, NY 46 (moderate); New York County, NY 44 (moderate); Brooklyn County, NY 24 (low); Plainview County, NY 24 (low); Springfield Gardens County, NY 24 (low).