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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Ridgewood Savings Bank

Ridgewood, New York · $7.55B in assets · beside the 11 other New York banks between $3B and $10B

The filing

0.69%
ROA
10th of 10
0.4x
Coverage of noncurrent
9th of 9
1.85%
NPA / loans
11th of 12

Ridgewood Savings Bank is the fourth largest of the 12 New York banks nearest its size between $3B and $10B, with $7.55B in assets at 30 June 2026. Loans are 81.1% of deposits, 4th of 12 against a median of 89.6%, and equity is 12.8% of assets, 2nd of 10. Loans grew +1.0% in the year, 9th of 12, and deposits grew 4.1%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 1.85% of the book, 11th of 12 against a median of 0.71%; 0.06% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 0.18% of loans, 6th of 10. Commercial real estate is 49.9% of loans, 11th of 12 against a median of 36.1%, and 246% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.69%, the lowest in the cohort against a median of 1.23%, on an efficiency ratio of 67.3%, 9th of 10. Five years ago it was 0.62%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsNY banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.23% BT Bessemer Trust Co. N.A. 3.22% FS Five Star Bank 1.42% TC Tompkins Community Bank 1.39% AB Amalgamated Bank 1.31% CN Canandaigua National Bank & Trust Co. 1.27% MC Metropolitan Commercial Bank 1.18% AB Arrow Bank National Association 1.11% TB Trustco Bank 1.03% NB Northfield Bank 0.96% RS Ridgewood Savings Bank 0.69%
Loans, year over yearNY banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.5% BT Bessemer Trust Co. N.A. +28.2% MC Metropolitan Commercial Bank +10.8% AB Amalgamated Bank +9.2% TC Tompkins Community Bank +6.9% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% TB Trustco Bank +4.3% AB Arrow Bank National Association +2.1% RS Ridgewood Savings Bank +1.0% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

SBA 7(a), FY2008 to FY2026

Ridgewood Savings Bank is the 206th largest 7(a) lender into New York of 402, with $4M across 24 loans, 0.0% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). Every market on its book has had an approval since FY2023.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Queens, NY$1M100th of 1550.1%thin
New York, NY$930K135th of 2080.0%thin
Kings, NY$530K139th of 1690.0%thin
Nassau, NY$400K138th of 1710.0%thin
Bronx, NY$385K88th of 1080.1%thin
Westchester, NY$190K136th of 1520.0%thin
Suffolk, NY$150K164th of 1740.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services10$2M41.1%0.00%1390th of 2,596
Other services4$530K14.5%0.00%1444th of 2,248
Construction3$430K11.7%0.00%1525th of 2,063
Retail trade2$390K10.6%0.00%2003rd of 2,589
Administrative & waste services1$350K9.5%0.00%1181st of 1,763
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Ridgewood Savings Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans RS Ridgewood Savings Bank 0.0% $4M · 24 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Ridgewood Savings Bank among them; owner-occupied excluded; bold marks a screen met
Ridgewood Savings BankRankCohort median
Total CRE against capital, the 300% screen246%6th of 10243%
Construction against capital, the 100% screen0%1st of 1012%
Construction and land development, share of loans0.0%1st of 120.9%
Non-owner-occupied nonfarm nonresidential, share of loans8.1%4th of 1011.7%
Total CRE, the guidance definition, share of loans49.9%11th of 1236.1%
CRE growth over 36 months, the third prong+10.4%3rd of 10+24.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Amalgamated Bank$9.41B1.3%47.7%1.99%0.25%1.3%60.7%9.2%
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Arrow Bank National Association$4.46B1.1%60.7%0.24%0.09%1.0%95.1%9.5%
Bessemer Trust Co. N.A.$4.16B3.2%79.4%0.00%0.00%0.0%32.7%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Ridgewood Savings BankCohort median
20212026Change20212026Change
Loans$3.90B$4.88B+25%$3.18B$4.42B+39%
Deposits$5.28B$6.01B+14%$3.74B$5.50B+47%
NPA / loans1.05%1.85%+0.79 pts0.26%0.71%+0.45 pts
Efficiency76.6%67.3%-9.3 pts57.2%54.0%-3.3 pts
ROA0.62%0.69%+0.07 pts1.37%1.23%-0.14 pts

This read was prepared for Ridgewood Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Ridgewood Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $3B to $10B
Institution www.ridgewoodbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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